BBVA ClearSpend Visa® Card
Introducing the easiest way to manage your money
Looking to better control your spending? Want to set a budget for your college student? With the BBVA ClearSpend Visa® Prepaid Card, you get access to an app that suggests a budget based on your spending habits, with real-time alerts1 to help keep you on track.
- NO Overdraft Fees
- NO Purchase Transaction Fees
- NO Monthly Service Charge as long as $400 or more is loaded during each calendar month, otherwise a $4 Monthly Service Charge will be assessed.2
- NO Load Fees at a BBVA branch, through a BBVA debit card or through ACH/Direct deposit. Visa ReadyLink® merchants may charge a fee for this service.
- NO Credit Score Check to Apply*
Load from a BBVA debit card or set up direct deposit. Cards can be loaded with cash at any Visa ReadyLink® location or BBVA branch. Money can also be transferred to your ClearSpend card using PayPal®, Venmo®, Popmoney® or other transfer services.
Use your BBVA ClearSpend Visa® Prepaid debit card for all your day-to-day, on-line, and household spending. After 30 days, the ClearSpend app will automatically suggest a budget.
Budgeting for two
With ClearSpend, two people can manage one budget while maintaining a snapshot of who spent what.
Secondary cards are great for:
- Sharing a household budget with a spouse or roommate
- Setting up your child with a secondary card and teaching them to budget (limit one secondary card per account)
Since both cards are tied to the same budget, each cardholder has the ability to load funds to ClearSpend that can be used for purchases by either cardholder. Secondary cardholders will have to verify their e-mail addresses and activate their card before using. Each cardholder will receive spending alerts each time a purchase is made by either cardholder.
How do I request an additional card?
You can add a secondary card holder during application or any time at clearspend.bbvausa.com/login. Login to your account and select "Add a Second Card" from the main menu to get started. The second card will be sent to the address you use during the application.
How it works
Load money, conveniently
Load money to ClearSpend
Link your BBVA debit card in the App or fund your card in person with cash at any BBVA branch or Visa ReadyLink location.
You can Direct Deposit all or part of your pay check to your card, add cash to your card at any BBVA branch location or participating Visa ReadyLink® retail merchant location.
Transfer money to ClearSpend
Login to an existing bank account and transfer money to your ClearSpend account using services such as Popmoney®, PayPal® or Venmo®. You'll need your ClearSpend account number and routing number which are available in the App under "My Account". Funds will be available in 2-3 business days.
Frequently asked questions
Does the BBVA ClearSpend Visa® Prepaid Card require a credit check?
When you apply for a BBVA ClearSpend Visa® Prepaid Card, we do not check your credit score; however, your application is subject to approval based on other data on file at consumer reporting agencies.
How can I activate my prepaid card?
How do I add funds to my prepaid card?
You can add funds to a BBVA ClearSpend Visa® Prepaid Card in the following ways:
1. Transfer funds from a BBVA debit card to your prepaid card
2. Set up direct deposit to your prepaid card (see more details in the FAQ below)
3. Make a cash deposit at a BBVA branch or Visa ReadyLink location (Visa ReadyLink merchants may charge a fee for this service.)
4. Transfer funds to your prepaid card using PayPal®, Venmo®, Popmoney® or other money transfer services
There are limits on the amount that can be loaded to your BBVA ClearSpend Visa® Prepaid Card. For full funding and transaction limits, see Terms and Conditions.
Can I receive direct deposits in my ClearSpend account?
Yes, a BBVA ClearSpend Visa® Prepaid Card can receive direct deposits from your employer or from another financial institution. The maximum limit is $6,500. For full funding and transaction limits, see Terms and Conditions.
Are there any limits on funding, purchases, or withdrawals?
Yes, there are limits. Please refer to the Fees and Limits grid schedule.
Where can I manage my prepaid card?
What are the fees associated with the BBVA ClearSpend Visa® Prepaid Card?
Please refer to the Schedule of Fees for the BBVA ClearSpend Visa® Prepaid Card.
Details you need to make a smart decision
1Alerts may be delayed or may not always be available. Thus, your balance may not reflect all transactions.
2Please Note: Monthly Service Charge can be avoided with $400 or more in loads during each calendar month. The Monthly Service Charge will be assessed on the 15th of the following month if load requirement has not been met for the preceding month.
*Card Subject to approval, including fraud prevention measures.
ClearSpend Accounts available to U.S. residents who are at least 18 years old (or 19 in certain states) and for use virtually anywhere Visa Cards are accepted, subject to verification.
BBVA does not charge a fee for reloads at a BBVA branch, through a BBVA debit card or through ACH/Direct deposit. Visa ReadyLink® merchants may charge a fee for this service. Please refer to Schedule of Fees in your Terms and Conditions for full information
BBVA will not charge a fee for the first withdrawal from an ATM each month, regardless of whether that withdrawal occurs at a domestic or foreign ATM. However, ATM charges may apply from other banks in which BBVA is not responsible for those fees charged. Please refer to the Terms and Conditions for full information.
Links to third party sites are provided for your convenience. These sites are not within our control and may not have the same privacy, security or accessibility standards. Third parties are completely and solely responsible for the content and availability of their sites.
Visa® Zero Liability covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify BBVA promptly of any unauthorized use. Consult BBVA for additional details or visit visa.com/security. See your Visa Cardholder Agreement for further details.
Visa and Visa Readylink are registered trademarks of Visa International Service Association and used under license. Paypal® and Venmo® are registered trademarks of Paypal, Inc. Popmoney® is a registered trademark of Fiserv, Inc.