Benefits of credit cards

A credit card is much more than just a means of payment, and here we will explain why!

These days credit cards represent a useful and important tool for anyone. Owning a credit card offers many benefits such as the ability to access cash anywhere and make payments wherever you are. It also gives you the opportunity to find interesting points programs, credit financing conditions and even insurance.

There are three types of cards: prepaid, debit and credit. The specific differences among these three types of cards can be found at bbva.es, where you can also view the detailed terms and conditions for each of them.

However, in order to help you make a decision, we think it is convenient to emphasize the advantages offered specifically by the option of a credit card.

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Después Card
You'll be able to pay for your purchases over time and use it at over 6,000 ATMs.

The advantages of a credit card: today and always

In general, the greatest advantage of a credit card is, as its name implies, the ability to manage your spending and have money available in the form of credit. In other words, you can pay with a credit card even if you do not have enough money in the associated account, since the purchases you make will not be charged to the account until the 5th day of the following month.

There is also the option to personalize payments by dividing them into smaller payments (with interest). This is therefore a tool used for financing and managing payments. In the end, the flexibility offered by a credit card can help you cover a major economic expense or make it easier to pay back larger amounts over time.

You will need to provide the following information in order to demonstrate to the financial institution that you meet all of the requirements: official identity document and evidence of receiving a regular income.

What else can a credit card offer me?

Using a BBVA credit card can also bring the cardholder some peace of mind. First of all, there are a huge number of shops all over the world accepting payment by card, so as long as you have a card in your pocket you do not need to worry about traveling with cash. If you do need cash, though, with a BBVA VISA card you can withdraw cash from almost any ATM in the world, though you may be charged a currency exchange fee to do so.

A credit card can also be a good option for online payments, since it lets you track your payments directly.

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BBVA credit card
Pay for your purchases over time with the Después Card and use it at over 6,000 ATMs.

BBVA credit cards now also have the “contactless” payment option, which lets you pay by simply holding your card up to the card reader.

In short, a credit card can be used for much more than making payments, financing major purchases and getting cash anywhere in the world. 

Find out more details about all of our credit cards at the BBVA website. Then just find the option that is best adapted to your needs, so you don't let the advantages of a credit card pass you by.

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