BBVA Rewards Card

Overview

The credit card that makes life more rewarding

You could earn unlimited 2% Cash Back on all purchases1 with a qualifying monthly direct deposit to your personal BBVA checking, savings, or money market account. Easily redeem your rewards for an account credit.2 

The card that's always maximizing your rewards! 

Earn hassle-free Cash Back across ALL purchase categories, every time and everywhere.2

Take advantage of a great rewards card with no annual fee that gives you the freedom and flexibility to choose how and when to use your rewards:

  • Save your rewards for a big-ticket item or that much anticipated family vacation.
  • Sign into Mobile or Online Banking to track your points, review account details, or redeem rewards.  

Benefits

So many great reasons to choose this card

No annual fee*

Enjoy the benefits of a credit card with a great rewards program and no annual fee.

$100 in account credit4

You could get a $100 account credit when you make $1,500 in purchases1 in the first 90 days of account opening.4

Great introductory balance transfer rate

Fast, secure payments

  • BBVA Visa® Cards are eligible for enrollment in Apple Pay®, Google Pay™, and Samsung Pay® which allows you to pay retailers directly from your mobile device.

24/7 peace of mind card security features

  • Temporarily block and unblock your card anytime, anywhere with our Award-Winning Mobile Banking App
  • Receive transaction alerts through our Award-Winning Mobile Banking App so you always know when the card has been used
  • Plus, get the added security of Visa Zero Liability†

 

Need help with your account?

We're here for you. Contact a customer service representative or visit your nearest BBVA branch for help.

Call 1-800-239-5175

Rewards

Guaranteed unlimited rewards on every purchase

Relationship rewards

Earn unlimited 2% Cash Back on all purchases1 with $1,000 in monthly direct deposits to a BBVA deposit account (Please note rewards decrease to 1.5% without the monthly direct deposit).2

Freedom to earn

Get the freedom and flexibility to earn unlimited 2% Cash Back anywhere Visa is accepted, without being restricted to certain bonus categories (Please note rewards decrease to 1.5% without the monthly direct deposit).2

APR, Terms, AND Fees

Take advantage of our introductory rates on balance transfers  

These terms are accurate as of March 18, 2020, but may have changed after that date. You can always find out the current terms by contacting us at: BBVA, P.O. Box 2210, Decatur, AL 35699, or 1-800-239-5175.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 11.24% to 29.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0% introductory APR for thirteen months for balance transfers made within 60 days of account opening.

After that, your APR will be 11.24% to 29.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 22.24% to 29.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date
Minimum Interest Charge* If you are charged interest on purchases, the charge will be no less than $1.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees*
Annual Fee None
Transaction Fees
  • Cash Advance
    Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Balance Transfer
    Either $10 or 4% of the amount of each transfer, whichever is greater
  • Foreign Transaction
    3% of each transaction in U.S. dollars
Penalty Fees
  • Late Payment
    Up to $27 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, up to $37
  • Over-The-Credit-Limit
    NONE
  • Returned Payment
    Up to $20 (Fee varies by state. Please see additional disclosures below.) 

How We Will Calculate Your Balance: We use a method called "daily balance." See the credit card agreement for more details.

Billing Rights: Information on your rights to dispute individual transactions and how to exercise those rights is provided in the account agreement.

Cancelling an Account: You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject this plan, you are not responsible for any fees or interest on those fees.

Annual Percentage Rates (APRs):

  • Purchases & Balance Transfers: Prime Rate + 7.99% to 25.99%, based on your creditworthiness
  • Cash Advances: Prime Rate + 18.99% to 25.99% based on your creditworthiness

Except for any discounted introductory APR, your APRs will vary with the market based on the Prime Rate. For each billing cycle, we use the Prime Rate from The Wall Street Journal two business days before the Statement Date for that billing cycle. Your APRs may increase if the Prime Rate increases. If your APRs increase, the amount of interest you will owe and the Minimum Payment Due may increase.

The 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. 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.

Other Fees:* To the extent permitted by applicable law, the following fees may apply: Returned Check Fee - Up to $25 ($0 in Louisiana); Stop Payment Fee - $29 ($0 in Illinois, Indiana, Kentucky, Louisiana, Maryland, Missouri, New York, Pennsylvania, and West Virginia); Expedited Delivery Fee - amount determined at time of request ($0 in Maryland); Document Fees - Up to $37 depending upon the item ($0 in Illinois, Indiana, Kentucky, Louisiana, Maryland, Missouri, Pennsylvania, and West Virginia); Transfer Fee (for direct deposit of Cash Advance to your checking account) - $25 ($0 Maryland); Expedited Payment Fee - $10; Skip Payment Fee (if offered by us, accepted by you and your Minimum Payment Due would have been $200 or more) - $35; Rate Reduction Fee (if offered by us and accepted by you) - $75. †Returned Payment - $0 in Maryland, $20 in all other states. 

*Fees and Minimum Interest Charge are not applicable if you are a "covered borrower" under the Military Lending Act, as defined in 32 CFR Part 32.

BBVA Credit Cards may not be available to residents of all states. California Residents: Married applicants may apply for separate accounts. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from month to month. New York Residents: Your credit report may be obtained. Upon your request, BBVA will inform you whether a report was obtained and, if so, the name and address of the consumer reporting agency. Subsequent credit reports may be requested in connection with an update, renewal, or extension of the credit for which you are applying. New York residents may contact the New York State Department of Financial Services at 1-800-342-3736 or visit its website, www.dfs.ny.gov. for free information on comparative credit card rates, fees, and grace periods. Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that the credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

All cards are subject to approval, including credit approval. Some terms and benefits are not available with all cards.

Details you need to make a smart decision

*All credit cards subject to availability and approval, including credit approval. Please see terms and conditions.

1 A “purchase” is any purchase made with your BBVA Rewards Credit Card that is processed or submitted through the Visa U.S.A. Inc. payment system. The following types of transactions do not count as purchases and will not earn points: 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).

2BBVA Rewards Program: BBVA Rewards Cards automatically earn 1.5% Cash Back on net qualified purchases. In addition, BBVA Rewards Cardholders can earn an additional 0.5% Relationship Rewards (for a total of 2% Cash Back) on net purchases. To be eligible for Relationship Rewards, 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 is assessed monthly, and Relationship Rewards will be applied to purchases made the following month with your BBVA Rewards Card. Cash Back accumulates on purchases and can only be redeemed for account credit to an eligible Card account that is currently open or that you voluntarily closed within the previous 45 days. Please allow up to 7 business days for the credit to post to your Card account. Redemption values may change at any time.

3Balance Transfers: The relative benefits you receive from debt consolidation using a balance transfer could vary depending on your individual circumstances. If the balance transfer is not paid in full within the promotional period, you may realize limited savings on interest.

4Offer applies to new BBVA Rewards Card accounts opened between 01/01/21 - 4/30/21. $1,500 in purchases must be made within 90 days of account opening to be eligible for the $100 account credit. Account must be open and in good standing at the time account credit is awarded to receive the account credit. 

5Mobile Deposit® is subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. See Terms of Use for details, including information on funds availability. Mobile Deposit® is a registered trademark of Mitek Systems, Inc.

†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.

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Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.