What is a credit card?

Credit cards are a means of payment that can be used to make payments or obtain cash advances, but also with the possibility of postponing repayment of the transaction amount from the bank account associated with the card. More information

What are the requirements for a credit card?

Being legally of age. You must have an active bank account with BBVA. Have some income to guarantee your ability to pay back the credit. Have a good credit history. Not appear on any credit default lists.

What happens if I use the card outside the Eurozone?

For purchases in currencies other than the euro, no commission will be charged on the first €300 per month. A commission of 3% will be charged on the equivalent amount in euros, based on the exchange rate obtained by the Payment Systems on the date of settlement, for purchases in currencies other than the euro exceeding €300 per month and for all cash withdrawals abroad. If you prefer to forget about limits, you can activate one of the available Pack Viajes plans. From just €2.99/month you can increase your limit and make cash withdrawals without fees. You can turn it on and off whenever you want.

Which credit card is right for me?

To answer this question, you should review and compare the credit cards .

How do I apply for a credit card?

You can go to any BBVA branch or apply through the BBVA.es website or the BBVA España app .

What's the difference between a credit and a debit card?

The primary difference is the payment method. With a debit card, the amount is charged directly to the cardholder's account. Thus, they only allow you to pay up to the limit of the funds in the account. On the other hand, with a credit card you can even pay if you do not have funds, since you can postpone the charge until the following month. More information

Can I make online purchases with a credit card?

Yes, it's possible. When you make an online purchase, you have to follow these simple steps: Purchases in the store with your card. And you authorize your online purchases in a BBVA secure environment (either through the website or app).

Can I link my credit card to my phone?

Yes, BBVA offers various options for paying for your purchases using your cell phone. Choose yours and enjoy all the benefits. More information

Can I withdraw by debit with my credit card?

Yes, except with the A Tu Ritmo Revolving Credit Card and A Tu Ritmo Complementaria Revolving Card, which would only be on credit. With the rest of the cards, you can choose between withdrawing cash on debit or credit at ATMs and branches.

When and where will I receive my card?

You will receive your card at the address indicated during the registration process a few days after the account is active.

How do I apply for a BBVA credit card and what are the requirements?

You can visit any BBVA branch or apply through the BBVA.es website or the app of BBVA España. To request it, you have to: Being legally of age. You must have an active bank account with BBVA. Have some income to guarantee your ability to pay back the credit. Have a good credit history. Not appear on any credit default lists.

What do NIR and APR mean on a credit card?

The TIN (Nominal Interest Rate) is the fixed percentage that the bank charges for deferring your purchases. However, it does not include fees. The APR (Annual Percentage Rate) is a more comprehensive indicator, since it adds to the NIR any fees (such as issuance or maintenance fees) and other expenses. To compare credit cards, always look at the APR: if you pay off your purchases at the end of the month with no interest, the APR may be 0%, but if you defer payments, the APR shows the total real cost of financing.

What happens if I use the card outside the Eurozone?

For purchases in currencies other than the euro, no commission will be charged on the first €300 per month. A commission of 3% will be charged on the equivalent amount in euros, based on the exchange rate obtained by the Payment Systems on the date of settlement, for purchases in currencies other than the euro exceeding €300 per month and for all cash withdrawals abroad. If you prefer to forget about limits, you can activate one of the available Pack Viajes plans. From just €2.99/month you can increase your limit and make cash withdrawals without fees. You can turn it on and off whenever you want.

How can I split payments with my BBVA credit card?

You can split the payment of your purchases or your monthly balance directly from the BBVA app or website. Simply select the card, choose the transaction you want to defer, and tap “Split payment.” You can choose the number of months and instantly see the interest and resulting installment. You can also use the “Flex Payment” service to manage your budget more flexibly. Finally, you also have the revolving payment option with the A Tu Ritmo Revolving and A Tu Ritmo Supplementary Revolving credit cards. With the rest of the cards, you can choose between withdrawing cash on debit or credit at ATMs and branches.

What is a credit card and how does it work?

Credit cards are a means of payment that can be used to make payments or obtain cash advances, but also with the possibility of postponing repayment of the transaction amount from the bank account associated with the card. More information

What insurance does my BBVA credit card include?

Most of our credit cards include, free of charge, ATM robbery insurance as well as accident and travel assistance insurance. Specific coverage varies depending on the type of card (Aqua, Platinum, etc.). You can check the specific terms and details on the page of the credit card you have selected.

How do I cancel my BBVA credit card?

You can cancel your card through the BBVA app, on the website, or by visiting your nearest branch. Before canceling it, make sure you have no outstanding payments. If your card has been lost or stolen, use the "Permanent Block" option in the app so we can automatically issue a new one.

BBVA credit cards

Purchase with your credit limit and pay at the end of the month, the following month or in installments.

What type of credit card are you looking for?

Credit cards to make purchases and withdraw cash

Credit
Defer your payments for more than €50 over 3 months with no interest (0% NIR, 0% APR).

Special service for better protection for your online and offline purchases.
Apply for card

More information
Credit
For young people between 18 and 29 years old.

No issue or maintenance fees.

Save on fees when paying and taking out money abroad.
Apply for card

More information
Credit
All the advantages of the Aqua Más Card.

10% cash back on subscriptions (Netflix, Spotify, etc.) and savings on fees when traveling abroad.
Apply for card

More information
Credit
Monthly credit of up to €30,000.

With accident and travel insurance.
Apply for card

More information
Credit
Credit card with revolving deferred payment.

No issue or maintenance fees.
Apply for card

More information
Credit
Accident insurance of up to €1,250,000.

Travel assistance and ATM robbery insurance.
Apply for card

More information

Credit cards to save on gasoline and pay highway tolls

Credit
Pay at tolls and parking lots without stopping your vehicle.

Valid in Spain, France and Portugal.
More information

Credit cards to buy tickets and save on trips

Credit
All the advantages of the Aqua Más Card.

10% cash back on subscriptions (Netflix, Spotify, etc.) and savings on fees when traveling abroad.
Apply for card

More information
Credit
Exclusively for people over 60.

Up to 40% discount on Renfe train tickets.
Apply for card

More information
Credit
Lower fees on purchases and ATMs outside Spain.

Trip cancellation and lost luggage insurance.
Apply for card

More information
Credit
10% on Iberia plane tickets and 1 Avios point for every €5 spent.

Insurance with extensive coverage.
Apply for card

More information
Credit
10% on Iberia plane tickets and 1 Avios point for every €3 spent.

Preferential boarding and insurance with extensive coverage.
Apply for card

More information
Credit
Discounts on hotels, travel and insurance packages with extensive coverage.
Apply for card

More information

Credit cards for customers under 30

Credit
For young people between 18 and 29 years old.

No issue or maintenance fees.

Save on fees when paying and taking out money abroad.
Apply for card

More information

High value credit cards

Credit
No annual fee.

Travel accident insurance up to €1.5 million.

0% fees for currency exchange and cash withdrawals abroad.

Priority Pass so that every wait is a VIP experience.
Find out more
Credit
No annual fee.

Accident insurance coverage of up to €1.25 million and travel assistance.

0% fees for currency exchange and cash withdrawals abroad.
Find out more
Credit
No annual fee.

Accident travel insurance up to €760,000.

Travel Assistance Insurance.

Pack Viajes Esencial: Up to €300 per month in purchases in currencies other than the euro, with no fees.
Find out more
Credit
Travel accident insurance up to €1.5 million.

0% fees for currency exchange and cash withdrawals abroad.

4 airport lounge accesses per year.
Find out more
Credit
Travel accident insurance up to €1.5 million.

0% fees for currency exchange and cash withdrawals abroad.

Access to the VIP lounge if your flight is delayed
Find out more
Credit
Accident insurance coverage of up to €1.25 million.

0% fees for currency exchange and cash withdrawals abroad.

Travel Assistance Insurance.
Find out more

Would you like to compare several cards at a glance?

Use the comparison tool to choose a card based on its features and advantages.

Go to the comparison tool

Manage your credit cards with the BBVA app

Contactless payments. Make purchases or even take out cash at BBVA ATMs directly with your phone. Without touching any buttons.
Optimize costs. You can change your monthly credit limit, change the payment method or defer purchases instantly.
Your money is 100% secure. You'll get transaction alerts and be able to turn your cards on or off whenever you need to.

Find out how to finance your purchases with BBVA's credit and debit cards

Let us show you the different ways to finance your purchases, whether with your credit card or debit card.

More information

BBVA credit cards

What type of credit card are you looking for?

Credit cards to make purchases and withdraw cash

Credit

Aqua Más Card

Credit

Aqua Más Card for young people

Credit

Aqua Máxima Card

Credit

Después Gold Card

Credit

A Tu Ritmo Revolving Card

Credit

Visa Platinum Card

Credit cards to save on gasoline and pay highway tolls

Credit

VIA-T Card

Credit cards to buy tickets and save on trips

Credit

Aqua Máxima Card

Credit

Renfe Dorada Card

Credit

Viajes Card+

Credit

Iberia Classic Card

Credit

Iberia Icon Card

Credit

Infinite Visa Card

Credit cards for customers under 30

Credit

Aqua Más Card for young people

High value credit cards

Credit

BBVA Infinite Patrimonios card

Credit

Private Banking Platinum Card

Credit

Aqua Gold Personal Banking Card

Credit

Private Banking Infinite Card

Credit

Infinite Personal Banking Card

Credit

Platinum Personal Banking Card

Would you like to compare several cards at a glance?

Manage your credit cards with the BBVA app

Find out how to finance your purchases with BBVA's credit and debit cards

Would you like more information?

What is a credit card?

What are the requirements for a credit card?

What happens if I use the card outside the Eurozone?

Which credit card is right for me?

How do I apply for a credit card?

What's the difference between a credit and a debit card?

Can I make online purchases with a credit card?

Can I link my credit card to my phone?

Can I withdraw by debit with my credit card?

When and where will I receive my card?