Choose the right credit card for you

 

BBVA Rewards Card

Unlimited rewards across all categories for ALL purchases.

  • No annual fee1
  • 0% Introductory APR for Balance Transfers for thirteen months on balance transfers made within 60 days of account opening1. After that, a 11.24%-29.24% variable APR.
  • Unlimited 1.5% rewards on all purchases and could earn an additional unlimited 0.5% reward bonus with $1,000 in monthly direct deposits to a BBVA deposit account2
  • Special Offer: During the month of May, you could get $200 in account credits when you make $1,500 in qualifying purchases in the first 90 days of account opening3
  • Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
 

BBVA ClearPoints Credit Card

The card that lets you choose where to earn points.

  • No annual fee4
  • 0% Introductory APR for 13 months on purchases. This intro rate also applies to Balance Transfers made within 60 days of account opening4. After that, a 11.24%-29.24% variable APR.
  • Choose how you earn up to 2x & 3x points in categories you select each quarter5
  • Special Offer: During the month of May, you could get $200 in account credits when you make $1,500 in qualifying purchases in the first 90 days of account opening6
  • Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
 

Select Credit Card

Premium perks for a premium lifestyle.

  • You could have $99 annual fee waived for the first year7
  • Earn up to 4x points on Entertainment, 3x points on Dining and 2x points on Travel and 1 point on all other purchases.5
  • Exclusive Visa Signature travel and entertainment benefits, 24/7 Complimentary Concierge8
  • Special Offer: You could earn 50,000 bonus points ($500 value) when you make $4,000 in qualified purchases in the first 90 days of account opening.9
  • Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
 

Optimizer Credit Card®

Secured by savings, but works just like a regular credit card.

  • Opportunity to improve your credit
  • Worldwide purchasing power
  • Competitive interest rates10
  • Manage card with our Award-Winning Mobile Banking App. Download from the App Store® or Google PlayTM to manage your card
  • Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico

why BBVA?

We give you the credit you need, and deserve

Everyone uses credit cards differently. At BBVA, we give you choices and options, so you can find the best card for you.

Our Rewards, BBVA ClearPoints, and Select credit cards come with these benefits.

 

Bonus Rewards

You could earn unlimited 2% rewards on all purchases with a monthly direct deposit to a BBVA deposit account, when you have a BBVA Rewards Card.2  You can earn unlimited 2x and 3x rewards in select categories you choose (and 1x rewards point per $1 spent on all other purchase categories) with our BBVA Build Your Own Rewards® feature available with our BBVA ClearPoints card.Our Select card has high earning bonus categories: Earn 4x points on Entertainment, 3x points on Dining, 2x points on Travel and 1 point on all other purchases.5

Competitive Rates 

Keeping credit affordable is important to us. So we offer a variety of financial solutions to meet your needs. We have solutions for those looking to build their credit or seeking rewards for purchases. Ask us about the best card for you.

Additional Visa Benefits

Accepted at nearly 30 million spots around the globe, Visa gives you unsurpassed access, purchasing power, and flexibility.

Peace of Mind

Get security features including the ability to temporarily block and unblock your card anytime, anywhere and receive transaction alerts whenever your card is used with the BBVA Mobile Banking app. Plus, get the added security of Visa Zero Liability protection.*

Easy Ways to Pay

Everyone pays differently. With our cards, you can enjoy the ease of having your monthly payment auto debited from your BBVA checking account. You can pay with a transfer from your checking account, online, by mail or in person. 

Details you need to make a smart decision

*All credit cards subject to approval including credit approval. 

1BBVA Rewards Card: Purchase APR: 11.24% to 29.24% variable, based on creditworthiness. Intro Balance Transfer APR: 0.00% through the end of the 13th billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. After that, Balance Transfer APR: 11.24% to 29.24% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the transaction amount, whichever is greater. Cash Advance APR: 22.24% to 29.24% variable, based on creditworthiness. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. If you take advantage of any promotional offer for Balance Transfers, Convenience Checks, or Cash Advances, you may lose your grace period on new purchases because you must pay your monthly payment plus any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. Annual Fee: $0. Foreign Transaction Fee: 3% of each transaction in US dollars. Minimum Interest Charge: $1.

2BBVA Rewards Program:  BBVA Rewards Cards automatically earn 1.5 Base Points per $1.00 of net purchases.  In addition to Base Points, BBVA Rewards Cardholders can earn Relationship Rewards Bonus Points at a rate of one half (0.5) point for each $1.00 of net purchases (for a total of 2 points per $1.00).  To be eligible for Relationship Rewards Bonus Points, you must receive direct deposits (from third parties) totaling $1,000.00 or more in a calendar month to your BBVA consumer checking, savings or money market account.  Eligibility for Relationship Rewards Bonus Points is assessed monthly, and Relationship Rewards Bonus Points will be applied to purchases made the following month with your BBVA Rewards Card.  To qualify to earn points, a purchase must be made with your BBVA Rewards Card and processed or submitted through the Visa U.S.A. Inc. payment system.  The following types of transactions do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by us, prepaid or reloadable cards, quasi-cash items (like casino chips), cash equivalents (like money orders) and purchases made using a Personal Identification Number (PIN).

3Special Offer for BBVA Rewards Card: Offer applies to new BBVA Rewards accounts opened between 05/01/2020 to 05/31/2020. Offer is not transferable. $1,500 in net purchases must be made within 90 days of account opening to be eligible for the $200 in account credits. Account must be open and in good standing at the time the account credits are awarded to receive the account credits. A $100 account credit will post to your account within 10 calendar days of meeting the $1,500 threshold of net purchases. A second $100 credit will post to your account within 15 business days following the first credit. To qualify to get account credit, a purchase must be made with your BBVA Rewards Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following types of transactions do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by us, prepaid or reloadable cards, quasi-cash items (like casino chips), cash equivalents (like money orders) and purchases made using a Personal Identification Number (PIN).

4BBVA ClearPoints Credit Cards:  The 0% Introductory APR for Purchases will apply through the end of the thirteenth billing cycle after the account is opened for all Purchases posted to the account within the same period.  After that, Purchase APR: 11.24% to 29.24% variable, based on creditworthiness.  0% Introductory APR for Balance Transfers will apply through the end of the thirteenth billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening.  After that, Balance Transfer APR:  11.24% to 29.24% variable, based on creditworthiness.  Balance Transfer Fee:  $10 or 4% of the transaction amount, whichever is greater, for each balance transferred.  Cash Advance APR:  22.24% to 29.24% variable based on creditworthiness.  Cash Advance Fee:  Either $10 or 4% of the amount of each cash advance, whichever is greater. If you take advantage of any promotional offer for Balance Transfers, Convenience Checks, or Cash Advances, you may lose your grace period on new purchases because you must pay your monthly payment plus any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. Annual Fee:  $0. Foreign Transaction Fee: 3% of each transaction in US dollars.  Minimum Interest Charge: $1.  Please see credit card terms and conditions.

BBVA Select Card Rewards Program:  You will earn 4x reward points on qualified entertainment purchases, 3x points on qualified dining purchases, 2x points on qualified travel purchases and 1 point on everything else. You will earn points on net qualified purchases only (purchases minus credits or returns). The following types of transactions do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by us, prepaid or reloadable cards, quasi-cash items (like casino chips), cash equivalents (like money orders) and purchases made using a Personal Identification Number (PIN).

6Special Offer for BBVA ClearPoints Credit Cards: Offer applies to new BBVA ClearPoints accounts opened between 05/01/2020 to 05/31/2020. Offer is not transferable. $1,500 in net purchases must be made within 90 days of account opening to be eligible for the $200 in account credits. Account must be open and in good standing at the time the account credits are awarded to receive the account credits. A $100 account credit will post to your account within 10 calendar days of meeting the $1,500 threshold of net purchases. A second $100 credit will post to your account within 15 business days following the first credit. To qualify to get account credit, a purchase must be made with your BBVA ClearPoints Credit Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following types of transactions do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by us, prepaid or reloadable cards, quasi-cash items (like casino chips), cash equivalents (like money orders) and purchases made using a Personal Identification Number (PIN).

7BBVA SELECT CREDIT CARD: Purchase APR and Balance Transfer APR: 13.24% to 17.24% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater. Cash Advance APR: 22.24% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. Minimum Interest Charge for Purchase balance: $1. Annual Fee $99, waived for the first year the account is open. However, the Annual Fee is always waived for Premier Personal Banking clients.

8BENEFITS FOR SELECT CREDIT CARDS: Visa Signature benefits include Luxury Hotel Collection membership, 24/7 Concierge, roadside assistance, travel and emergency assistance services, warranty manager service, auto rental collision damage waiver, lost luggage reimbursement, purchase security, trip cancellation/trip interruption, price protection, and Zero Liability. 

9Select Credit Card Bonus Points Offer: 50,000 bonus points credit offer not available to existing BBVA credit cardholders. Offer applies to Select Credit Card accounts opened on or after 03/24/2020. $4,000 in net purchases must be made within 90 days of opening the Select Credit Card to earn the 50,000 bonus points. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to earn points, a purchase must be made with your BBVA Select Credit Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following types of transactions do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by us, prepaid or reloadable cards, quasi-cash items (like casino chips), cash equivalents (like money orders) and purchases made using a Personal Identification Number (PIN).

10BBVA Optimizer Credit Card®: Purchase and Balance Transfer APR 22.24% variable. Cash Advance APR: 31.24% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, which is greater. Balance Transfer Fee: $10 or 4% of the transaction amount, whichever is greater, for each balance transferred. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Annual Fee: $40. Minimum Interest Charge: $1

11Alerts may be delayed or may not always be available. Thus, your balance may not reflect all transactions.

*Visa’s Zero Liability Policy does not apply to Visa corporate or Visa purchasing card or account ‭transactions, or any transactions that are not processed by Visa. Cardholder must notify BBVA promptly of any unauthorized use as described in the cardholder agreement. Consult:  https://www.visa.com/chip/personal/security/zero-liability.jsp  or BBVA for additional details.

BBVA Credit Cards may not be available to residents in all states.