BBVA Optimizer Credit Card® is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
Not Currently Available
BBVA Optimizer Credit Card®
Claimed
in Credit Cards from BBVA
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
22.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
22.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 850
Annual Fee
$40
BBVA Optimizer Credit Card® Review
BBVA Optimizer Credit Card® is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a secured credit card issued by BBVA. If you're wondering whether BBVA Optimizer Credit Card® is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 22.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of BBVA Optimizer Credit Card®
| The Good | The Bad |
|
|
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $40.
Does BBVA Optimizer Credit Card® have a foreign transaction fee?
BBVA Optimizer Credit Card® charges a foreign transaction fee of up to 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 customer service number for BBVA Optimizer Credit Card® 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 login page for BBVA Optimizer Credit Card®?
You can access the login page of BBVA Optimizer Credit Card® 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 to the following credit bureaus:
- 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 build your credit.
Does BBVA perform a hard credit pull?
Yes, BBVA Optimizer Credit Card® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for BBVA Optimizer Credit Card®
- Visit the website of BBVA Optimizer Credit Card®.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.