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BBVA Optimizer Credit Card®
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| Purchase APR (Variable APR) | 22.24% |
| Balance Transfer APR (Variable APR) | 22.24% |
| Credit Score Range | 500 - 850 |
| Annual Fee | $40 |
BBVA Optimizer Credit Card® Review
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BBVA Optimizer Credit Card® is no longer available to new customers on SuperMoney. Click here to compare Credit Cards and quickly find the best options for your needs. |
This is a secured credit card credit card issued by BBVA. If you're wondering whether BBVA Optimizer Credit Card® is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of BBVA Optimizer Credit Card®
| The Good | The Bad |
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BBVA Optimizer Credit Card® FAQ
Does BBVA Optimizer Credit Card® have a cash back or rewards program?
No, it does not offer a rewards program.
What are the BBVA Optimizer Credit Card® benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for BBVA Optimizer Credit Card®?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.BBVA Optimizer Credit Card® has a variable purchase APR of 22.24%. The card has a variable balance transfer APR of 22.24% . It also has a variable cash advance APR of 31.24% .
Does BBVA Optimizer Credit Card® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does BBVA Optimizer Credit Card® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for BBVA Optimizer Credit Card®?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $40 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $20 |
| Late Payment Fee | up to $37 |
Does BBVA Optimizer Credit Card® have a foreign transaction fee?
BBVA Optimizer Credit Card® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for BBVA Optimizer Credit Card®?
The BBVA Optimizer Credit Card® customer service number is .
What is the support contact email for BBVA Optimizer Credit Card®?
The support contact email for BBVA Optimizer Credit Card® is abuse@bbvausa.com.
What is the BBVA Optimizer Credit Card® login page?
You can access the BBVA Optimizer Credit Card® login page here.
How do people rate the customer service and user experience of BBVA Optimizer Credit Card®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BBVA Optimizer Credit Card® report your account activity to credit bureaus?
Yes, BBVA Optimizer Credit Card® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for BBVA Optimizer Credit Card®
- Visit the BBVA Optimizer Credit Card® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
5 20th St S
Suite 1501
Birmingham, AL 35233 USA - Visit Site
- Email Support
Other Services by BBVA
Availability
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 4% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $40 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $20 |
| Late Fee Amount | Up to $37 |
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