Secured Visa® Business Credit Card

Interest rates and charges

These terms and conditions are accurate as of March 18, 2020,  but may be subject to change. You can always find the most recent terms by contacting us at: BBVA, P.O. Box 2210, Decatur, AL 35669, or call 1-800-316-0207.  

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 16.24% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 16.24% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 25.24% This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 27.24%
This APR will vary with the market based on the Prime Rate.
This APR may be applied to your account if you make a late payment.
How to Avoid Paying Interest on Purchases Your due date is at least 20 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
Fees
Annual Fee $40 (Waived First Year)
Transaction Fees
  • Cash Advance
    Either $10 or 4% of the amount of each cash advance (including any balance transfer), whichever is greater
  • Foreign Transaction Fee
    3% of each transaction in U.S. dollars
Penalty Fees
  • Late Payment
    $19 if Previous Balance on statement showing fee is less than $100; $39 if Previous Balance is $100 or more; $49 if Penalty APR is in effect
  • Overlimit Fee
    $39
  • Returned Payment
    $25

How We Will Calculate Your Balance: We use a method called “average daily balance (including new Purchases).”