The first year, the issue and maintenance fee for the Negocios Crédito Card is free. Starting with the second year, the annual fee is €48. This fee will be waived if you direct debit the card in a Business Account (a single Negocios card per Business Account holder, with the highest annual issue and maintenance fee being waived if more than one card is involved) if the card holder satisfies the conditions of the Adiós Comisiones program, or if the annual charges to the card exceed €1,500.
Negocios Credit Card
Finance your payments with your credit cards to suit your needs.
Manage your expenses while saving on fuel.
-
2% discount on fuel at Repsol Group gas stations.
-
Detailed VAT invoice for payments made through Solred terminals.
-
Accident insurance and travel assistance.
-
Autonomos Autonomos 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).
- By repaying the amount spent on the 5th of the following month.
Exclusive discounts and services
-
The Negocios Crédito Card lets you:
- Save 2% on fuel when you fill up at Repsol, Campsa and Petronor gas stations.
- Get a bill with a breakdown of VAT for every payment made on Solred terminals.
- MasterCard Connection Service.
See the coverage of the MasterCard Connection Service
- Accident insurance, valid as long as you pay with the credit card.
- Travel Insurance, valid regardless of whether you pay with this visa card or not.
- Save 2% on fuel when you fill up at Repsol, Campsa and Petronor gas stations.
What conditions do you need to meet?
-
The granting of the Negocios Crédito Card is subject to approval by BBVA.
Would you like more information?
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: fee of the bank that owns the ATM + 2% (minimum €1.80).
- 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 from the ATM owner.
- ATMs located outside Spain: 2% (€2.40 minimum).
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.
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.You might also be interested in
See more cards-
![]()
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.
-
![]()
Click&Pay credit limit
Liquidity at times of greater outgoings or less business. You only pay for what you use, with no interest or cancellation penalty.
Why BBVA?
- We have a network of 6,000 ATMs in Spain available for our customers.
- We are leaders in digital innovation working to make your life that bit easier.
- We believe in doing things a transparent, clear and responsible way.
- We have a network of 6,000 ATMs in Spain available for our customers.
- We are leaders in digital innovation working to make your life that bit easier.
- 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.View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service. -
-
SMEs SMEs 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).
- By repaying the amount spent on the 5th of the following month.
Exclusive discounts and services
-
The Negocios Crédito Card lets you:
- Save 2% on fuel when you fill up at Repsol, Campsa and Petronor gas stations.
- Get a bill with a breakdown of VAT for every payment made on Solred terminals.
- MasterCard Connection Service.
See the coverage of the MasterCard Connection Service
- Accident insurance, valid as long as you pay with the credit card.
- Travel Insurance, valid regardless of whether you pay with this visa card or not.
- Save 2% on fuel when you fill up at Repsol, Campsa and Petronor gas stations.
What conditions do you need to meet?
-
The granting of the Negocios Crédito Card is subject to approval by BBVA.
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.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).
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.
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.You might also be interested in
See more cards-
![]()
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.
-
![]()
Click&Pay credit limit
Liquidity at times of greater outgoings or less business. You only pay for what you use, with no interest or cancellation penalty.
Why BBVA?
- We have a network of 6,000 ATMs in Spain available for our customers.
- We are leaders in digital innovation working to make your life that bit easier.
- We believe in doing things a transparent, clear and responsible way.
- We have a network of 6,000 ATMs in Spain available for our customers.
- We are leaders in digital innovation working to make your life that bit easier.
- We believe in doing things a transparent, clear and responsible way.
Discover BBVA One View
Add and manage all your business bank accounts in one place.
Manage all your accounts, make better decisions, and save time for your business.
Manage all your accounts, make better decisions, and save time for your business.
-
Use the Negocios Credit Card to make purchases and pay off your balance in easy monthly installments to suit your needs. What's more, if you travel a lot, you can save money whenever you refuel.