BBVA Visa® Business Rewards Credit Card
overview
Low interest, big rewards, no annual fee
With the BBVA Visa® Business Rewards Credit Card, your business can earn rewards on everyday purchases—plus, benefit from the flexibility and easy account management of a credit card with no annual fee. Plus you'll get a 0% introductory APR for 9 months on purchases.
Card only available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico.
Ways to Apply
Benefits
No annual fee
You pay no annual fee with BBVA Visa® Business Rewards—just one of the perks you'll enjoy with this credit card.
Separate business expenses
Keep your business expenses separate from personal expenses to make it easier to track spending and prepare your taxes.
Free employee cards
Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping.
Online account services
Manage your account at your convenience, with online services that allow you to track employee expenses, pay bills online, view and download up to 24 months of past account statements, and integrate expenses, data, and reports with accounting software packages.
Online Account Management
Easily keep track of your business credit card spending and payments. Register or sign in to your account to get started.
rewards
Earn points for your purchases
BBVA Rewards Program – Business Rewards
- Earn 1.5 points for every $1 in qualified purchases.1
- As a cardholder, you are automatically enrolled to earn rewards for no additional fee.
Visa® SavingsEdge§
- Enroll your BBVA Visa® Business Rewards Credit Card with Visa SavingsEdge and shop at participating merchants to save up to 15%.
Other Perks
Visa® Business benefits
Visa Liability Waiver Program
Visa Liability Waiver protects you against eligible losses that might be incurred through card misuse by a terminated eligible cardholder up to $100,000.
Auto Rental Collision Damage Waiver Program
If you rent a car with your business credit card, you’ll be covered with collision, damage, and loss insurance.
Purchase Security and Extended Protection
Automatically protects the majority of purchases you make with your business credit card within 90 days of purchase in the event of loss, theft, damage, or fire.
Travel and Emergency Assistance
When you’re traveling for business, you can count on a wide range of Visa® emergency services, including ticket replacement, legal or medical referrals, and more—24 hours a day, 365 days a year.
Travel Accident Insurance
Get coverage up to $500,000 for travel accidents when transport (Common Carrier) is purchased with your business credit card.
APR, Terms, and Fees
Interest rates and charges
These terms and conditions are accurate as of March 18, 2020, but may have changed after that date. You can always find out 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 | 0% introductory APR for 9 months After that, your APR will be 9.24% to 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Promotional Offers subject to change without notice. |
| APR for Balance Transfers | 0% or 3.99% introductory APR on balance transfers requested within 90 days of account open date for one year, based on your creditworthiness. After that, your APR will be 9.24% to 23.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate |
| APR for Cash Advances | 22.24% to 27.24% based on your creditworthiness. 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 | |
| Transaction Fees |
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| Penalty Fees |
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How We Will Calculate Your Balance: We use a method called “average daily balance (including new Purchases).”
Forms & Agreements
Credit card forms and agreements
Agreements
Forms
With BBVA Visa® Business Rewards Credit Card, you’ll enjoy:
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Details you need to make a smart decision
All credit cards subject to approval, including credit approval.
1Points only accumulate on purchases. To qualify to earn points, a purchase must be made with your BBVA Visa 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. Account must be in good standing to earn and redeem points.
If you take advantage of any promotional Balance Transfer, Convenience Check or Cash Advance APR offers from BBVA, you may lose your grace period on new Purchases. That is because you must pay your entire balance, including any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions.
§ Visa SavingsEdge is an automated discount program offered by Visa U.S.A. Inc.
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