---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "Meu Cartão Ideal"
developer_entity: "Begrowth Brasil Internet S.A."
bundle_id: "br.com.quiz.utua"
app_store_id: "6472044680"
google_play_id: "br.com.utua.quiz"
category: "Education"
primary_platform: "ios"
primary_monetization: "Free"
offline_capable: false
market_region: "US"
platforms: "iOS & Android"
app_last_updated: "2026-04-28"
report_date: "2026-05-20"
last_verified: "2026-05-20T12:17:41.920Z"
report_version: "3.09.01"
total_reviews: 717
overall_rating: 2.8
confidence: "low"
confidence_score: 0.05
data_age_days: 42
intelligence_version: 2
tags: ["education", "free", "mobile app", "app review", "app analysis", "individuals", "seeking", "compare"]
canonical_url: "https://marlvel.ai/intel-report/education/br-com-quiz-utua"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

# Meu Cartão Ideal App Audit

## TL;DR {#tldr}

- **Category**: Education · Free
- **Signal**: Rating 2.8

> **TL;DR:** Meu Cartão Ideal is a education app by Begrowth Brasil Internet S.A., rated 2.8/5 by 717 users, available on iOS & Android.
>
> **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** Meu Cartão Ideal is a education app by Begrowth Brasil Internet S.A..
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## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Rating** | 2.8/5 (717 reviews) |
| **Category** | Education |
| **Developer** | Begrowth Brasil Internet S.A. |
| **Pricing** | Free |
| **Platforms** | iOS & Android |
| **Confidence** | Low (0.05/1.0) |
| **Data Age** | 0d |

## Metadata & Market Performance
- **Publisher:** Begrowth Brasil Internet S.A.
- **Category:** Education
- **Target Audience:** Individuals seeking to compare and select credit products tailored to their specific financial profiles.
- **Platforms:** iOS & Android
- **Version Audited:** 3.09.01
- **Audit Date:** 2026-05-20
- **Signal Count:** 0 reviews analyzed
- **Confidence:** Low (0.05/1.0)
- **App Store ID (iOS):** 6472044680
- **Bundle ID:** br.com.quiz.utua
- **Google Play ID:** br.com.utua.quiz
- **Data Window:** Analysis based on signals collected up to 2026-05-20

<!-- section:executive-snapshot -->
## Executive Snapshot
Meu Cartão Ideal is a financial marketplace that aggregates credit products to assist users in comparing financial services. The platform emphasizes transparency and security by providing detailed information on interest rates, terms, and user evaluations to help users make informed credit decisions.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] Credit Product Marketplace:** Provides a comprehensive collection of credit products with detailed information on rates and terms.
  * *User Intent:* Users seek enhanced value through premium features.
- **[Standard] Personalized Recommendations:** Utilizes tools to suggest financial products based on the user's specific profile.
  * *User Intent:* Users value self-expression and personalized experiences.
- **[Standard] Security and Verification:** Implements data protection measures and verifies the reliability of links to mitigate the risk of fraud.
  * *User Intent:* Users prioritize data protection and trust in the platform.
- **[Standard] Institutional Transparency:** Offers insights into the history and support structures of various financial institutions.
  * *User Intent:* Users want visibility into their own performance and progress.
<!-- /section:features -->

## Monetization Strategy
- **Model:** Free

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

Meu Cartão Ideal is an established education app that is completely free.
With a 2.8/5 rating from 717 reviews, it shows polarized user reception.

<!-- speakable-start -->
> **Bottom Line:** The app functions as a centralized hub for credit product comparison, prioritizing user security and personalized financial guidance.
<!-- speakable-end -->

**Best for:** Individuals seeking to compare and select credit products tailored to their specific financial profiles.

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Overall Rating | 2.8/5 |
| Total Reviews | 717 |
| Confidence | Low |
| Pricing Model | Free |
| Platforms | iOS & Android |
| Key Features | 4 analyzed |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **Meu Cartão Ideal** (this app) | 2.8/5 | N/A | Begrowth Brasil Internet S.A. |
| [Peak - Brain Training](https://marlvel.ai/intel-report/education/peak-brain-training) | 4.7/5 | Mixed | Synaptic Labs |
| [AlgoApp - Flashcards](https://marlvel.ai/intel-report/education/algoapp-flashcards) | 4.6/5 | Frustrated | AlgoApp Inc |
| [Flash Cards Flashcards Maker](https://marlvel.ai/intel-report/education/flash-cards-flashcards-maker) | 4.0/5 | Mixed | Infinite Wave Media, LLC |
| [Flashcards maker - AI generate](https://marlvel.ai/intel-report/education/flashcards-maker-ai-generate) | 4.1/5 | Mixed | Teleprompter LLC |
| [Flashcards Deluxe](https://marlvel.ai/intel-report/education/flashcards-deluxe) | 4.5/5 | Excited | OrangeOrApple.com |

## Company Profile
- **Developer:** Begrowth Brasil Internet S.A.
- **Website:** [https://utua.com.br/](https://utua.com.br/)

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/br/app/meu-cart%C3%A3o-ideal/id6472044680?uo=2)
- **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=br.com.utua.quiz&hl=en&gl=br)
- **Dev Site:** [Official Website](https://utua.com.br/)
- **Sources:** App store metadata.

## Related Intel Reports
- [*Peak - Brain Training*](https://marlvel.ai/intel-report/education/peak-brain-training) (Synaptic Labs) — 4.7/5 Rating | Mixed Sentiment
- [*AlgoApp - Flashcards*](https://marlvel.ai/intel-report/education/algoapp-flashcards) (AlgoApp Inc) — 4.6/5 Rating | Negative Sentiment
- [*Flash Cards Flashcards Maker*](https://marlvel.ai/intel-report/education/flash-cards-flashcards-maker) (Infinite Wave Media, LLC) — 4.0/5 Rating | Mixed Sentiment
- [*Flashcards maker - AI generate*](https://marlvel.ai/intel-report/education/flashcards-maker-ai-generate) (Teleprompter LLC) — 4.1/5 Rating | Mixed Sentiment
- [*Flashcards Deluxe*](https://marlvel.ai/intel-report/education/flashcards-deluxe) (OrangeOrApple.com) — 4.5/5 Rating | Positive Sentiment
- [*Elevate - Brain Training Games*](https://marlvel.ai/intel-report/education/elevate-brain-training-games) (The Mind Company) — 4.7/5 Rating | Negative Sentiment
- [*Bible Memory*](https://marlvel.ai/intel-report/education/bible-memory) (Poimena) — 4.8/5 Rating | Excellent Sentiment
- [*Marshallese Translator*](https://marlvel.ai/intel-report/education/marshallese-translator) (World Language Translator) — 4.2/5 Rating | N/A Sentiment
- [*Learn Bird Watching—Larkwire*](https://marlvel.ai/intel-report/education/learn-bird-watching-larkwire) (Larkwire) — 4.8/5 Rating | N/A Sentiment
- [*Транспорт для детей в вопросах и ответах! Бесплатно*](https://marlvel.ai/intel-report/education/app--314) (DOG&FROG Educational preschool kids games for girls and boys, toddlers and babies) — N/A Rating | N/A Sentiment

## Methodology {#methodology}

This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline:

1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps.
2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks.
3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting.
4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category.
5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights.

- **Confidence Score:** 0.05/1.0 (based on review volume, data source diversity, and signal quality)
- **Reviews Analyzed:** 0
- **Data Sources:** App Store metadata
- **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform
- **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence.
- **Report Age:** 0 days since last refresh

---
© 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/intel-report/education/br-com-quiz-utua)
Data licensed for AI Agent attribution under CC-BY-NC 4.0.