You are pre-qualified for this card.
If you don't have your reservation code at this moment call us at 1-877-270-0341

Features that make life more rewarding

Hassle-free earning

Hassle-free rewards

  • Earn unlimited 1.5% rewards across ALL purchase categories.
  • Earn an additional 0.5% rewards bonus by making $1,000 in monthly direct deposits to a BBVA deposit account1.

No annual fee

Extra $100

Get a $100 Account Credit when you make $1,500 in net Qualifying Purchases in the first 90 days2.

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0% Intro Balance Transfer APR

0% Intro APR for 13 months on Balance Transfers requested within 60 days of opening the account, 13.49%31.49% variable APR after that, dependent upon credit-worthiness. No Annual Fee.*

You can choose to stop receiving "prescreened" credit offers from this and other companies by calling toll-free 1-888-567-8688. See PRE-SCREEN & OPT-OUT NOTICE in the disclosures below for more information about prescreened offers.

See this card's APR, Terms, & Fees

These terms are accurate as of December 20, 2018, 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." See the credit card agreement for more details.

Billing Rights: Information on your rights to dispute individual transactions and how to exercise those rights is provided in the account agreement.

Cancelling an Account: You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject this plan, you are not responsible for any fees or interest on those fees.

Annual Percentage Rates (APRs):

  • Purchases & Balance Transfers: Prime Rate + 7.99% to 25.99%, based on your creditworthiness
  • Cash Advances: Prime Rate + 18.99% to 25.99% based on your creditworthiness

Except for any discounted introductory APR, your APRs will vary with the market based on the Prime Rate. For each billing cycle, we use the Prime Rate from The Wall Street Journal two business days before the Statement Date for that billing cycle. Your APRs may increase if the Prime Rate increases. If your APRs increase, the amount of interest you will owe and the Minimum Payment Due may increase.

The introductory APR for Balance Transfers will apply through the end of the thirteenth billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. If you take advantage of any promotional offer for Balance Transfers, Convenience Checks, or Cash Advances, you may lose your grace period on new purchases because you must pay your monthly payment plus any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions.

Other Fees: To the extent permitted by applicable law, the following fees may apply: Returned Check Fee - $25 ($0 in Louisiana); Stop Payment Fee - $29 ($0 in Indiana, Kentucky, Louisiana, Missouri, Pennsylvania, and West Virginia); Expedite Delivery Fee - amount determined at time of request; Document Fee - Up to $37 depending upon the item ($0 in Indiana, Kentucky, Louisiana, Missouri, Pennsylvania, and West Virginia); Transfer Fee (for direct deposit of Cash Advance to your checking account) - $25; Expedite 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; Returned Payment - $0 in Maryland, $20 in all other states.

*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.

BBVA Credit Cards 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.

All cards are subject to approval, including credit approval. Some terms and benefits are not available with all cards.

Details you need to make a smart decision

All credit cards subject to approval, including credit approval. Please see  terms and conditions.

1BBVA Rewards Program: BBVA Rewards Cards automatically earn 1.5 Base Points per $1.00 of net purchases. In addition to Base Points, BBVA Rewards Cardholders can earn Relationship Rewards Bonus Points at a rate of one half (0.5) point for each $1.00 of net purchases (for a total of 2 points per $1.00). To be eligible for Relationship Rewards Bonus Points, you must receive direct deposits (from third parties) totaling $1,000.00 or more in a calendar month to your BBVA consumer checking, savings or money market account. Eligibility for Relationship Rewards Bonus Points is assessed monthly, and Relationship Rewards Bonus Points will be applied to purchases made the following month with your BBVA Rewards Card. To qualify to earn points, a purchase must be made with your BBVA Rewards 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.

2$100 account credit offer not available to existing BBVA credit cardholders. Offer applies to accounts open between 04/10/19 to 06/17/19. $1,500 in purchases must be made within 90 days of account opening to be eligible for the $100 account credit. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to get account credit, a purchase must be made with your BBVA Rewards 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. 

PRE-SCREEN & OPT-OUT NOTICE: Information contained in your credit report was used in connection with this "prescreened" offer of credit. You have received this offer of credit based on your satisfaction of the selection criteria for the offer. BBVA reserves the right not to approve your BBVA credit card application, if you respond to this offer and do not meet all of the criteria for the loan offer. ‭If you do not want to receive ‭prescreened offers based on information in your credit file with Experian or the other reporting agencies, ‭call Experian toll-free at 1-888-5OPT-OUT (567-8688), go to www.optoutprescreen.com, or mail Experian ‭at Experian Opt Out, P. O. Box 919, Allen, TX 75013-0919.