BBVA Credit Cards

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BBVA Rewards Card

Currently Unavailable Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required

Visa Processing Network

None Annual Fee

BBVA Rewards Card

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• 11.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 11.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 22.24% to 29.24% variable based on creditworthiness and the Prime Rate Cash Advance APR

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• Earn unlimited 2% rewards on all purchases with a monthly direct deposit to a BBVA deposit account
• 0% Intro APR on Balance Transfers for 13 months made within 60 days of account opening
• Earn a $100 account credit after making $1,500 in purchases in the first 90 days of account opening
• No annual fee

• Regular Purchase APR: 11.24% to 29.24% variable based on creditworthiness and the Prime Rate
• Intro Balance Transfer APR: 0% for 13 months on transfers made within 60 days from account opening date
• Balance Transfer APR: 11.24% to 29.24% variable based on creditworthiness and the Prime Rate
• Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
• Cash Advance APR: 22.24% to 29.24% variable based on creditworthiness and the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
• Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
• Late Payment Penalty Fee: Up to $37
• Return Payment Penalty Fee: Up to $20

• N/A

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BBVA ClearPoints Credit Card

Currently Unavailable Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required

Visa Processing Network

None Annual Fee

BBVA ClearPoints Credit Card

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• 11.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 11.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 22.24% to 29.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
• 0% for 13 months from account opening date Intro Purchase APR

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• 3X points in the category of your choice with BBVA Build Your Own Rewards
• 2X points in a second category of your choice
• 1X point rewards in all other categories
• Unlimited earnings
• No annual fee

• Intro Purchase APR: 0% for 13 months from account opening date
• Regular Purchase APR: 11.24% to 29.24% variable based on creditworthiness and the Prime Rate
• Intro Balance Transfer APR: 0% for 13 months on transfers made within 60 days from account opening date
• Balance Transfer APR: 11.24% to 29.24% variable based on creditworthiness and the Prime Rate
• Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
• Cash Advance APR: 22.24% to 29.24% variable based on creditworthiness and the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
• Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
• Late Payment Penalty Fee: Up to $37
• Return Payment Penalty Fee: Up to $20

• N/A

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BBVA Select Credit Card

Currently Unavailable Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required

Visa Processing Network

$0 for the first year. After that, $99 Annual Fee

BBVA Select Credit Card

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• 13.24% to 17.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 13.24% to 17.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 22.24% variable based on the Prime Rate Cash Advance APR

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• 4% Cash Back on Entertainment purchases
• 3% Cash Back on Dining purchases
• 2% Cash Back on Travel purchases
• Annual fee is waived the first year
• No foreign transaction fees

• Regular Purchase APR: 13.24% to 17.24% variable based on creditworthiness and the Prime Rate
• Balance Transfer APR: 13.24% to 17.24% variable based on creditworthiness and the Prime Rate
• Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
• Cash Advance APR: 22.24% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
• Annual Fee: $0 for the first year. After that, $99
• Late Payment Penalty Fee: Up to $37
• Return Payment Penalty Fee: Up to $27

• N/A

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BBVA Optimizer Credit Card®

Currently Unavailable Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required

Visa Processing Network

$40 Annual Fee

BBVA Optimizer Credit Card®

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• 22.24% variable based on the Prime Rate Regular Purchase APR
• 22.24% variable based on the Prime Rate Balance Transfer APR
• 31.24% variable based on the Prime Rate Cash Advance APR

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• Designed for people who need to build or improve their credit history
• Credit line can be increased anytime with deposits to savings account
• Acceptance at over 28 million locations worldwide that accept Visa®
• Competitive APR on purchases

• Regular Purchase APR: 22.24% variable based on the Prime Rate
• Balance Transfer APR: 22.24% variable based on the Prime Rate
• Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
• Cash Advance APR: 31.24% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
• Annual Fee: $40
• Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
• Late Payment Penalty Fee: Up to $37
• Return Payment Penalty Fee: Up to $27
• Minimum Deposit Required: $500

• N/A

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BBVA Secured Visa® Business Credit Card

Currently Unavailable Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required

Visa Processing Network

$0 for the first year. After that, $40 Annual Fee

BBVA Secured Visa® Business Credit Card

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• 16.24% variable based on the Prime Rate Regular Purchase APR
• 16.24% variable based on the Prime Rate Balance Transfer APR
• 25.24% variable based on the Prime Rate Cash Advance APR

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• 3X points at office supply stores
• 2X points at gas stations and restaurants
• 1X point for every $1 in purchases
• Free employee cards
• Annual fee is waived the first year

• Regular Purchase APR: 16.24% variable based on the Prime Rate
• Balance Transfer APR: 16.24% variable based on the Prime Rate
• Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
• Cash Advance APR: 25.24% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
• Penalty APR: 27.24% variable based on the Prime Rate
• Annual Fee: $0 for the first year. After that, $40
• Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
• Late Payment Penalty Fee: Up to $49
• Return Payment Penalty Fee: $25
• Over Limit Penalty Fee: $39
• Minimum Deposit Required: $500

• N/A

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What Is BBVA?

BBVA is a leading U.S. bank and credit card issuer, formerly known as BBVA Compass. The bank has its headquarters in Birmingham, Alabama, and offers a full range of services both online and in branches across the country.

BBVA USA is a subsidiary of the larger multinational bank BBVA. BBVA stands for Banco Bilbao     Vizcaya Argentina, the second-largest bank in Spain.

BBVA USA is also known for its excellent public service record. The company has won a variety of awards over the years, highlighting their charitable aims and their dedication to the customers and employees.

About BBVA Credit Cards

BBVA credit cards are ideal for applicants with good credit scores, as well as those with a fair or average credit score. BBVA business cards are popular due to their lack of an annual fee, 0% APR introductory offer, and flexible rewards.

For consumers, the bank offers several credit cards for all credit ranges. Their rewards cards come with no annual fee, 0% intro APR offers on balance transfers or purchases, and flexible rewards. Depending on the card, the rewards are either a flat rate or based on categories.

BBVA also issues a credit-builder credit card, the Optimizer. The card is a secured credit card, meaning a deposit secures the credit limit. In the case of the BBVA Optimizer, that security deposit is tied to an existing BBVA savings account.

Features of BBVA Compass Credit Cards

BBVA makes it easy to manage your cards. One unique feature includes the BBVA Compass allowing you to pay your credit card balance by phone.

One of the unique features of some BBVA credit cards is that they are only available in select U.S. states. The Select and Optimizer Cards, for example, are only available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico.  These restrictions limit the geographic appeal of BBVA. Fortunately, the other credit cards they offer are available to any eligible U.S. citizen, regardless of location.

BBVA Branch Locations