BBVA Después Gold Card

With the Después Gold Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

• Full payment: pay your monthly credit card bill on the 5th of the following month.
• Deferred paymentrevolving: pay a fixed amount of the bill on the 5th of the following month, with interest. 

The BBVA Después Gold Card also offers other benefits:

• Get notifications on your phone and turn your cards off and on whenever you want. 

Whenever you make a payment or withdraw cash from an ATM, we will send you a notification through the BBVA app so that you can review your daily spending and make sure only you are using your card.

If you ever need to, you will be able to temporarily deactivate your card, or cancel it completely, by simply going into the BBVA app or at BBVA.es.

• ATM theft insurance

If you are robbed at an ATM, the insurance will cover up to €600 per event, up to a maximum of €1,200 per card per year.

See details of the insurance

• And with BBVA Mobile Pay, Google Pay, Samsung Wallet and Apple Pay 

You will be able to use your phone to pay in shops that accept contactless technology, in online stores and in apps, comfortably, securely and without having to enter your card details.

With the personalized payment, you can defer the payment of any purchase made with the card or the monthly amount owed, provided this amount is at least €50. 

The monthly payments will be for a fixed amount (which includes principal and interest if it is a personalized payment with interest, or principal and fees if it is a personalized payment with fee) and will depend on the term you choose, from a minimum of 3 months to a maximum of 36 months. This amount will be charged to the account on the 5th of each month. 

The first payment in both cases is different: 

• For a personalized payment with interest, it only includes interest.
• For a personalized payment with fee, a deferral fee is also included.

Once you take out the card, you can use both the BBVA app and bbva.es to calculate your monthly payment based on the repayment period you choose.

Personalized payment example with interest:

• Interest rate: 18% annually.
• Credit limit: €2,000. 
• Yearly credit card issue and maintenance fee: €80. 

You take out the Después Gold Card with a limit of €2,000. That same day, for example, May 1, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay: 

• The first installment will be for €109.59, which includes only interest and the annual credit card issuance and maintenance fee, which is €80.
• The following 11 installments will be for €198.59 each.
• The total amount payable will be €2,294.07 and the APR will be 28.35%.

Personalized payment example with fee:

• Deferral fee: 2.9%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months). 
• Credit limit: €2,000. 
• Yearly credit card issue and maintenance fee: €80.

Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in every case

You take out the Después Gold Card with a limit of €2,000.  That same day, for example, May 1, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay: 

• The first installment will be for €513.33 and includes part of the principal, the deferral management fee, which is 5% of the amount financed, and the annual credit card issuance and maintenance fee, which is €80.
• The next 5 installments will be for €333.33 each. 
• The total amount payable will be €2,180 and the APR will be 37.51%

If you choose to defer it over 5 months, this is what you will have to pay:

• The first installment will be for €566 and includes part of the principal, the deferral management fee, which is 4.3% of the amount financed, and the annual credit card issuance and maintenance fee, which is €80.
• The next 4 installments will be for €400 each. 
• The total amount payable will be €2,166 and the APR will be 40.60%

If you choose to defer it over 4 months, this is what you will have to pay: 

• The first installment will be for €652 and includes part of the principal, the deferral management fee, which is 3.6% of the amount financed, and the annual credit card issuance and maintenance fee, which is €80.
• The next 3 installments will be for €500 each. 
• The total amount payable will be €2,152 and the APR will be 45.04%

If you choose to defer it over 3 months, this is what you will have to pay: 

• The first installment will be for €804.67 and includes part of the principal, the deferral management fee, which is 2.9% of the amount financed, and the annual credit card issuance and maintenance fee, which is €80.
• The next 2 installments will be for €666.67 each. 
• The total amount payable will be €2,138 and the APR will be 52.16%

This system applies only to each specific settlement for which it is requested.

The APR in these representative examples was calculated based on an amount greater than €1,500, since it is not possible to get this card with a €1,500 credit limit.