Is there an issue and maintenance fee?

The first year, the issue and maintenance fee for the Negocios Crédito Card is free. Starting in the second year, this fee is €48. The fee will be waived if your annual charges exceed €1,500. In any case, you can save this fee depending on the type of account associated with the card and the number of products you have with BBVA: Select the BBVA account you want to link to your credit or debit card. Find out the requirements you need to meet to avoid paying a credit or debit card issuance and maintenance fee. See the conditions of your account to enjoy these advantages

A fee will be charged for cash withdrawals on credit using the card at ATMs in the following cases: ATMs of the BBVA GROUP in Spain : 2% (minimum €1.80). ATMs of banks other than the BBVA Group in Spain: ATM operator's fee + 2% (€1.80 minimum). ATMs located outside Spain : 4% (minimum €2.40). You will be charged a debit card ATM cash withdrawal fee in the following cases: ATMs of the BBVA GROUP in Spain : 0%. ATMs of banks other than the BBVA Group in Spain: Fee by the ATM owner. ATMs located outside Spain : 2% (€2.40 minimum).

Are there any other fees?

This card has additional fees if used in the following cases: Consult at non-BBVA ATMs : €0.60. Use of the card outside the Eurozone : 3%. Compensation on past-due balances : €30.

Who is the intermediary?

BBVA Broker, S.A. Correduría de Seguros y Reaseguros, registered in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under reference J0599. Approved Public Liability Insurance. With sufficient financial capacity.

Who is the insurance provider?

BBVA Seguros, S.A. de Seguros y Reaseguros.

*Terms and conditions of the promotion

Up to a 5% discount on fuel: Permanent 2% discount on fuel + 2% additional discount on Diesel e+ and Efitec 95 Neotech or + 3% additional discount on Diesel e+ 10 and Efitec 98 Neotech at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra. This discount will be shown on the Solred bill. Promotion offered by Repsol for Negocios Cards registered between 05/03/2023 and 06/30/2023. The additional discount will apply until 07/31/2023. After 08/01/2023, the discount on fuel will be 2% at Repsol Group stations. The card is subject to approval by BBVA.

*Terms and conditions of the promotion

Up to 4% off on fuel: Permanent 2% discount on fuel + 1% additional discount on Diesel e+ and Efitec 95 Neofuel or + 2% additional discount on Diesel e+ 10 and Efitec 98 Neotech at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra. This discount will be shown on the Solred bill. Promotion offered by Repsol on Negocios Cards registered between 11/10/2023 to 01/31/2024. The additional discount will be applied until 02/29/2024. After 03/01/2024 the discount on fuel will be 2% at Repsol Group stations. The card is subject to approval by BBVA.

Negocios Credit Card

Finance your payments with your credit cards to suit your needs.

Get your BBVA Negocios Card before January 31, 2024, and save up to 4% on fuel

You'll get a permanent 2% discount on fuel. And if you take it out before January 31, 2024, you can get an additional discount at Repsol Group service stations.

Apply

Up to 2% off on fuel* at Solred gas stations.
Detailed VAT invoice for payments made through Solred terminals.
Accident insurance and travel assistance.

Decide how to organize your spending every month

The Negocios Crédito Card lets you make payments and withdraw cash as long as you don't go over the limit set by the bank. Choose how you want to pay the money back:

By repaying the amount spent on the 5th of the following month.

Paying a fixed amount or a percentage every month (with interest).

Personalizing the payment over 3 to 6 months (with fee, no interest) or over 7 to 36 months (with interest).

Check the process in detail.

Exclusive discounts and services

The Negocios Crédito Card lets you:

Save up to 2% on fuel* at Repsol, Campsa and Petronor gas stations.

Get a bill with a breakdown of VAT for every payment made on Solred terminals sent to your home address or view it at bbva.es.

MasterCard Connection Service.

See the coverage of the MasterCard Connection Service

Accident insurance, valid as long as you pay with the credit card.

See coverage

Travel Insurance, valid regardless of whether you pay with this visa card or not.

See coverage

What conditions do you need to meet?

The granting of the Negocios Crédito Card is subject to approval by BBVA.

Request the Negocios Credit Card

Apply

Improve your employee card management

Integration with expense settlement and ERP tools

With Commercial Cards, a global solution from BBVA Pivot, you can manage your expenses with BBVA corporate cards more quickly and efficiently thanks to our integration with the leading tools on the market.

More information

Would you like more information?

You might also be interested in

For your professional activity

Negocios credit or debit card with no fees.

No fees on standard transfers.

No fees for issuing and collecting national checks in euros.

If you are self-employed or an SME, this is your account.
More information
Open account
A credit line for your business's usual payments with no activation cost.

Finance payments to suppliers, taxes, payroll, social security or the collection on your bills.

You only pay an availability fee for the money you use from your limit, which varies depending on the term or purpose for which you use it.

No early repayment penalty.
More information
See conditions

See more cards

Why BBVA?

We have a network of 4,500 ATMs in Spain available for our customers.
We are working to make your life a little easier with our digital solutions.
We believe in doing things a transparent, clear and responsible way.

Your other banks

Add your other banks to the BBVA app.

View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.

More information

Negocios Credit Card

Apply

Bienvenida Account for self-employed workers and companies

Negocios Credit Card

Get your BBVA Negocios Card before January 31, 2024, and save up to 4% on fuel

Manage your expenses while saving on fuel.