Worten’s Cartão Universo+ comes with a tempting offering for South African shoppers looking for international flexibility and savings on everyday purchases. With this credit card, you gain up to 5% cashback in Continente supermarkets and 1% on most other purchases when settling your balance in full each month. There are payment flexibility options, a global reach through Mastercard acceptance, and no annual fees. You can get up to €1,500 credit, with a representative APR (TAEG) of 18.8% and a TAN of 18.33%. Credit approval is mandatory, and terms apply.

How to Apply for the Worten Cartão Universo+

Applying for the Cartão Universo+ is simple. First, download the Universo app on your mobile device or visit any Worten, Sonae, Continente, or Wells store in person. Follow the prompts to submit your details and provide proof of identification. Once approved, you’ll get immediate access to a temporary card that you can start using right away. Add your desired products to the cart and choose Cartão Universo+ at checkout. Select the payment option that suits your budget and complete the process.

Card Advantages

One major advantage is the 5% cashback on all purchases at Continente when using the Fim do Mês (End of Month) repayment option. Another significant benefit: 1% cashback on all non-Continente purchases globally, offered up to €10 per month. The card can be used at over 50 million Mastercard-accepting merchants worldwide, covering your online and in-store shopping needs seamlessly. Furthermore, there are no annual account fees or commissions at petrol stations, making this a budget-friendly choice for frequent shoppers. Flexible payment options, including up to 60 instalments, further enhance your financial management.

Card Disadvantages

On the downside, the cashback is capped at €10 per month, which may be limiting for high spenders. Some repayment plans may accrue interest unless you pay your entire monthly statement. The 18.8% APR is competitive, but not the lowest in the market for premium cards. Additionally, special payment plans, such as 3x instalments, may carry setup fees. Transfer, cash advance, and withdrawal operations come with extra fees according to current terms, so always review the fine print. Not all promotions run year-round, so your cashback can fluctuate.

Verdict

Overall, the Worten Cartão Universo+ stands out by combining flexibility, cashback, broad Mastercard acceptance, and no annual fee. If your main focus is earning steady rewards at major supermarkets while maintaining spending control, this card is a strong contender. Despite some limitations on monthly benefits, its practical features and ease of use make it a recommended option for ZA shoppers keen on European and international purchases.