The Optimizer Credit Card® is a secured credit card, which means your credit line is backed, or secured, by a collateral savings account.
Designed for people who need to build or improve their credit history, this card gives you the financial flexibility and convenience you need.
Visa Zero Liability†
This policy guarantees that, when you're a Visa cardholder, you will not be held responsible for fraudulent charges, period.
APR, Terms, and Fees
These terms are accurate as of November 2, 2019, 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||23.74% This APR will vary with the market based on the Prime Rate.
|APR for Balance Transfers||23.74% This APR will vary with the market based on the Prime Rate.
|APR for Cash Advances||32.74% 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|
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. Maryland Residents: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.
*All credit cards subject to approval, including credit approval. Please see terms and conditions.
1Credit limit increase requests are subject to underwriting, ability to pay and approval requirements, which may include the need to obtain a consumer credit report.
† 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.