BBVA Select Credit Card
Experience life's pleasures and earn unlimited rewards
The Select Credit Card is for you if you want access to unlimited rewards and premier benefits.
Your BBVA Select Credit Card benefits include:
- 4X points on Entertainment, 3X points on Dining, 2X points on Travel, and 1 point on all other purchases1
- No $99 annual fee for the first year*
- No foreign transaction fee
- Exclusive Visa Signature travel and entertainment benefits, 24/7 Complimentary Concierge2
- Streamlined, expedited application process and no annual fee for Premier Personal Banking customers3
The BBVA Select Credit Card offers unlimited rewards with more benefits
- Earn unlimited rewards on all your purchases and bonus points on Entertainment, Dining and Travel:
- Earn unlimited 4x points on Entertainment purchases1
- Unlimited 3x points on Dining purchases1
- Unlimited 2x points on Travel purchases1
- Unlimited 1 point for every $1 in all other purchase categories1
- Redeem points for account credit, quickly and easily right from your online or mobile account.
- Special Offer: You could get 50,000 bonus points (a $500 value) when you make $4,000 in qualified purchases in the first 90 days of account opening.4
- Exclusive travel benefits including Visa Signature Luxury Hotel Collection membership and 24/7 Concierge Assistance6, as well as no foreign transaction fees.*
- Added security of Roadside Dispatch, Lost Luggage Reimbursement, Trip Cancellation/Interruption, Price Protection, Purchase Security, Travel Accident Insurance, and Visa Zero Liability.2
- Download our Mobile Banking App and manage your credit cards from the convenience of your mobile device.
APR, Terms, and Fees
The BBVA Select Credit Card offers great bonus point categories and no annual fee for the first year.
*These terms and conditions are accurate as of March 24, 2020, but may have changed after that date. You can always find out the most current terms by contacting us at: BBVA, P.O. Box 2210, Decatur, AL 35699 or, 1-866-681-0484.
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||13.24% to 17.24% APR, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
|APR for Balance Transfers||13.24% to 17.24% APR, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
|APR for Cash Advances||22.24% APR. 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.|
|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|
|Annual Fee||$0 for the first year your account is open, then $99 each year thereafter.|
How We Will Calculate Your Balance: We use a method called "daily balance."
Other Fees: To the extent permitted by applicable law, the following fees apply: Returned Convenience Check Fee – $25; Stop Payment Fee - $29; Expedited Delivery Fee - amount determined at time of request; Document Fees - up to $37 depending upon the item; Transfer Fee (for direct deposit of Cash Advance to your checking account) - $25; 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.
*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.
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.
BBVA REWARDS for Select Credit CArd
Experience a Premium credit card with unlimited rewards potential and bonus points on Entertainment, Dining and Travel.
You will earn 4x points on Entertainment, 3x points on Dining, 2x points on Travel and 1 point per $1 on all other purchases.1
Details you need to make a smart decision
* All credit cards subject to approval, including credit approval. Please see terms and conditions.
1 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 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). BBVA uses merchant category codes (MCC) to determine if a purchase is within one of the additional bonus point categories. BBVA is not responsible for MCCs used by merchants.
2 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. Visa Zero Liability covers United States - issued cards only and does apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify BBVA promptly of any unauthorized use. See Agreement for further details.
3 Premier Personal Banking membership status is evaluated on an annual basis. As long as Premier Personal Banking status is maintained, there is no $99 annual fee for the Select Credit Card.
4 Select 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 after 3/24/2020. $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 do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN.
6 Cardholders are responsible for the cost on any goods or services purchased by Visa Signature Concierge on the cardholders' behalf.
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