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Mastercard0/4 on file
Annual fee: issuer restricts access
Banco Pan · Mastercard

Cartão Atmosfera PAN

The Cartão Atmosfera PAN is a Mastercard from Banco Pan. Banco Pan's site does not let us read its terms, so we leave the annual fee blank — check it on Banco Pan's own site. Here is what we hold on it, and what we do not.

No figure here is checked yet

Not yet checked with Banco Pan: credit requirement. Banco Pan’s own page is authoritative — confirm anything you rely on there before you apply.

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Ledger entry

The receipt

Every cost line we hold for the Cartão Atmosfera PAN, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmed
Income requirement
Not confirmed
Network
Mastercard
Credit needed
NoneNot yet checked with Banco Pan
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Cartão Atmosfera PAN. That may mean there isn’t one, or simply that we have not recorded it — Banco Pan’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Cartão Atmosfera PAN. Rather than print a multiplier we cannot source, this stays blank until Banco Pan’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Digital account that earns daily interest
  • Pay Pix and bills in up to 12 installments with the credit card
  • PAN Shopping with cashback, gift cards, and price comparison
  • Loan options including FGTS, personal, payroll, and vehicle loans
  • Credit limit grows with responsible usage
  • Same-day limit restoration after bill payment
  • Virtual card for safer online purchases
  • Pay fines and IPVA through the app
  • Mobile phone top-up through the app
  • Free Pix transactions
Next step

Ready to apply for the Cartão Atmosfera PAN?

You'll finish the application on Banco Pan's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Banco Pan’s site
Questions

Questions about the Cartão Atmosfera PAN

How much is the Cartão Atmosfera PAN annual fee?

We could not verify the Cartão Atmosfera PAN's annual fee, so we do not print one. Check the current annual fee on Banco Pan's own site before you apply.

What does the Cartão Atmosfera PAN earn?

We could not verify the Cartão Atmosfera PAN's earn rates, so we do not print a multiplier. Check them on Banco Pan's own site.

What network is the Cartão Atmosfera PAN on?

The Cartão Atmosfera PAN runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Cartão Atmosfera PAN available in Brazil?

Yes — the Cartão Atmosfera PAN is issued by Banco Pan and is available to eligible applicants in Brazil. Approval depends on the issuer's own credit and income criteria.

How current is this Cartão Atmosfera PAN information?

No figure we hold for the Cartão Atmosfera PAN has been checked against a published document yet, so we show no check date. We could not verify, so we do not print: annual fee, foreign transaction fee, earn rates and welcome offer. Check them with Banco Pan. Everything on this page comes from what we hold in our catalogue; confirm the fee, offer and terms with Banco Pan before you apply.