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Details you need to make a smart decision

All credit cards subject to approval, including credit approval.

1BBVA Rewards Card: Purchase APR: 13.24% to 31.24% variable, based on creditworthiness. Intro Balance Transfer APR: 0.00% through the end of the 13th billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. After that, Balance Transfer APR: 13.24% to 31.24% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the transaction amount, whichever is greater. Cash Advance APR: 24.24% to 31.24% variable, based on creditworthiness. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. 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. Annual Fee: $0. Foreign Transaction Fee: 3% of each transaction in US dollars. Minimum Interest Charge: $1. 

2BBVA 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.

3Special Offer for BBVA Rewards: $100 account credit offer not available to existing BBVA credit cardholders. Offer applies to accounts open between 01/01/19 to 10/31/19. $1,500 in net 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.

4BBVA ClearPoints Credit Cards: The 0% Introductory APR for Purchases will apply through the end of the 13th billing cycle after the account is opened for all Purchases posted to the account within the same period. 0% Introductory APR for Balance Transfers will apply through the end of the 13th billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. The APRs that may apply after the introductory period for Purchase APR and Balance Transfer APR will be 13.24% to 31.24%, variable, based on creditworthiness. Balance Transfer Fee: $10 or 4% of the transaction amount, whichever is greater, for each balance transferred. Cash Advance APR is 24.24% to 31.24%, variable, based on creditworthiness.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. Foreign Transaction Fee: 3% of each transaction in US dollars. Minimum Interest Charge: $1. Please see credit card terms and conditions.

5Bonus points are awarded based on the merchant’s reporting of its merchant category code (MCC).   BBVA is not responsible for awarding points if a merchant reports its merchant category code in a category that falls outside of the bonus point category listing. Purchases made using third-party payment accounts, mobile or wireless card readers, virtual wallets, or similar technology may not qualify for a 2x or 3x purchase category if that technology is not set up to process the purchase in that category. Final determination of which purchases qualify for bonus points is at the sole discretion of BBVA.  Categories must be selected quarterly otherwise all transactions default to 1 point per $1 spent. Bonus point categories are subject to change.

6Special Offer for BBVA ClearPoints Credit Cards: $100 account credit offer not available to existing BBVA credit cardholders. Offer applies to accounts open between 01/01/19 to 10/31/19. $1,500 in net 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 ClearPoints Credit 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.

7BBVA Select Credit Card:  Purchase APR and Balance Transfer APR: 15.24% to 19.24% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater. Cash Advance APR: 24.24% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. Minimum Interest Charge for Purchase balance: $1. Annual Fee $125, waived for the first year the account is open. However, the Annual Fee is always waived for Premier Personal Banking clients.

8Benefits for Select Credit Cards:  Visa Signature benefits include Luxury Hotel Collection membership, 24/7 Concierge, roadside assistance, travel and emergency assistance services, warranty manager service, auto rental collision damage waiver, lost luggage reimbursement, purchase security, trip cancellation/trip interruption, price protection, and Zero Liability.

9Select Credit Card Bonus Points Offer: 20,000 bonus points credit offer not available to existing BBVA credit cardholders. Offer applies to Select Credit Card accounts opened between 01/01/19 to 10/31/19. $2,000 in net purchases must be made within 90 days of opening the Select Credit Card to earn the 20,000 bonus points. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to earn points, a purchase must be made with your BBVA Select Credit 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.  

10BBVA Optimizer Credit Card®:  Purchase and Balance Transfer APR 24.24% variable. Cash Advance APR: 33.24% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, which is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Annual Fee: $40. Minimum Interest Charge: $1

11Account Credit Offer for Select Cards: $20,000 in net purchases must be made within 365 days from account opening to be eligible for the $100 account credit. Account must be in good standing at the time the account credit is awarded to receive the account credit. 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.

*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: https://www.visa.com/chip/personal/security/zero-liability.jsp or BBVA for additional details.‬

BBVA Credit Cards may not be available to residents in all states.