BBVA Rewards Card

BBVA Rewards Card Review

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This is a rewards credit card issued by BBVA. If you're wondering whether BBVA Rewards Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Signup bonus. Offers a signup bonus of up to $100 if you spend $1500 within 3 months.
• Competitive APRs. BBVA Rewards Card has a variable purchase APR that ranges from 11.24% up to 29.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of BBVA Rewards Card

The Good

The Bad

Unlimited 1.5% rewards on all purchases and could earn an additional unlimited 0.5% reward bonus with $1,000 in monthly direct deposits to a BBVA deposit account. Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. No annual fee. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere BBVA Rewards Card is accepted. BBVA Rewards Card reports to multiple credit bureaus.

Charges a foreign transaction fee of 3%.

BBVA Rewards Card FAQ

Does BBVA Rewards Card have a cash back or rewards program?

BBVA Rewards Card is a rewards card.

BBVA Rewards Card Rewards

Minimum rewards rate	1.5x
Max rewards rate	2x
Annual rewards limit	N/A
Signup Bonus ($)	Starting at $100
Signup Bonus Spend Requirement	$1500
Signup Bonus Spend Period (months)	3 months

What are the BBVA Rewards Card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for BBVA Rewards 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 lower than average regular APRs.

BBVA Rewards Card has a variable purchase APR that ranges from 11.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 11.24% up to 29.24%. It also has a variable cash advance APR that ranges from 22.24% up to 29.24%.

What are the fees for BBVA Rewards Card?

The following fees apply:

• There is no overlimit fee

BBVA Rewards Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $20
Late Payment Fee	$27 - $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does BBVA Rewards Card report your account activity to credit bureaus?

Yes, BBVA Rewards 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 Rewards Card

• Visit the BBVA Rewards 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.