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2 cards side by side

Cartão Universo (legacy name) vs Cartão Universo+

At a glance
  • Annual fee: not confirmed for Cartão Universo+, so we don't say which is lower.
  1. Cartão Universo (legacy name)Universo, IME, S.A.3 of 8 facts on file · annual fee checked Sep 2026
  2. Cartão Universo+Universo, IME, S.A.2 of 8 facts on file · annual fee not yet checked
Annual feePer year. Lower is marked only when every fee has been verified against the issuer.Not confirmed for Cartão Universo+, so no card is marked lower.
Cartão Universo (legacy name)
€0No annual fee
Cartão Universo+
Not confirmed
NetworkSame on allWhere the card is accepted.
Cartão Universo (legacy name)
Mastercard
Cartão Universo+
Mastercard
Listed underSame on allThe sections of this site the card appears in.
Cartão Universo (legacy name)
Cash Back, Rewards
Cartão Universo+
Cash Back, Rewards
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Not confirmed for any of these cards: Purchase interest (APR), Foreign transaction fee, Top earn rates, Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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  • Cartão Universo (legacy name)
  • Cartão Universo+
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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Cartão Universo (legacy name) reviewCartão Universo+ review
Questions

Frequently asked

Can I hold Cartão Universo (legacy name) and Cartão Universo+ at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in Portugal?

Every card in this comparison is issued for Portugal. Approval depends on each issuer's credit and income criteria.