BBVA Optimizer Credit Card

Optimizer Credit Card


Get the access, advantages, and availability you need to open new doors

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.

  • Looks and works like a regular credit card
  • Credit line is secured by an interest-bearing collateral savings account
  • Credit line can be increased with deposits to savings account1
  • Acceptance at over 28 million locations worldwide that accept Visa®


A competitive rate and more perks

  • Competitive APR on purchases – 22.24%. This APR will vary with the market based on the Prime Rate.
  • Easily increase your credit line – With the Optimizer Credit Card, you can increase your credit line anytime by simply depositing additional funds into a savings account1.
  • Secured credit – Your Optimizer Credit Card is secured by an interest-bearing collateral savings account. Earn interest on your savings while building your credit history.
  • Real credit – The Optimizer Credit Card looks and works like a regular credit card.
  • Multiple payment options – You can pay by mail, Online Banking, or in a branch.
  • Acceptance virtually everywhere – The Optimizer Credit Card is accepted everywhere that Visa® is accepted.
  • 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.

Visa Zero Liability

This policy guarantees that, when you're a Visa cardholder, you will not be held responsible for fraudulent charges, period.

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

APR, Terms, and Fees

Open new doors with our secured credit card that works just like a regular credit card 

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.

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,, 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.

Details you need to make a smart decision

*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. 

2 Mobile 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: or BBVA for additional details.

App Store is a service mark of Apple Inc. Apple Pay is a registered trademark of Apple Inc.

Google Play and Google Pay are trademarks of Google LLC.

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