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      Experiences

      • Aggregation service

        If you're self-employed, you can now add your other banks to the BBVA app.

      • BBVA My Business

        Manage your everyday business operations with ease on your cell phone.

      • BBVA Company aggregator

        All your business bank accounts in the same place with the aggregation service.

      Bienvenida Account for self-employed workers and companies

      New bank, zero fees on the usual services. Whether you are self-employed, an SME or a company, a new bank has many advantages.
      More information
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      Negocios Credit Card

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

      Visual representation of the card.

      Manage your expenses while saving on fuel.

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

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

      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

      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?

      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: 3.50% (minimum €3).
      • ATMs of banks other than the BBVA Group in Spain: Fee by the ATM owner + 3.50% (minimum €3).
      • ATMs located outside Spain: 5% (minimum €3).

      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: 4.5% (minimum €3).

      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.

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

      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.

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

      *Permanent 2% discount on fuel when you use your Negocios Credit Card at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra. This discount will be shown on the Solred bill. The card is subject to approval by BBVA.

      You might also be interested in

      • BBVA Negocios Account

        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.

        Open account
        More information
      • Click&Pay Credit Limit

        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.
        See conditions
        More information
      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
      Offer valid during current month
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      2. Negocios Credit Card
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