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      BBVA Después Gold Card

      Después Gold Card

      A credit card that offers a limit of up to €30,000.

      • More than 6,000 BBVA ATMs at your disposal.
      • Accident insurance up to €760,000.
      • Travel insurance.
      Apply

      Pay for your card expenses however you like

      • 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 or a percentage of the bill on the 5th of the following month, both with interest. 

      Defer any purchase instantly

      • The personalized payment revolving lets you defer your monthly card payment or any purchase of at least €50. You can choose from 3 to 6 months (no fee) or from 7 to 36 months (with interest). Calculate your payment in the app or at bbva.es.
      The BBVA Después Gold Card allows you to pay using Pago Móvil BBVA, Google Pay, Samsung Pay and Apple Pay.

      With the advantages of being with BBVA

      • 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 pay or withdraw cash at an ATM, we will send you a notification via the BBVA app so you can review your daily spending and make sure that only you are using the 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're 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 Pay, 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.

      Apply for the BBVA Después Gold Card

      Apply

      Would you like more information?

      The BBVA Después Gold Card has a yearly issue and maintenance fee of €80 for the account holder and €50 for other authorized users.

      A fee will be charged for cash withdrawals on credit at ATMs in the following cases:

      • ATMs of the BBVA GROUP in Spain: 4% (minimum of €4).
      • ATMs of banks other than the BBVA Group in Spain: for cash withdrawals in euros on credit by card at ATMs belonging to banks that are not part of the BBVA Group in Spain, BBVA will charge the same amount as the fee it is charged by the bank that owns the ATM. This amount will be provided by the bank that owns the ATM before the cash withdrawal. Likewise, BBVA will charge the fee for cash withdrawals on credit stipulated for BBVA Group ATMs in Spain. This fee is in addition to the fee charged by BBVA. 
      • ATMs located outside Spain: 5% (minimum €3).

      A fee will be charged for cash withdrawals on debit at ATMs in the following cases:

      • ATMs of the BBVA GROUP in Spain: 0%.
      • ATMs of banks other than the BBVA Group in Spain: when withdrawing cash in euros on debit by card at an ATM belonging to a bank other than the BBVA Group in Spain, BBVA will charge the same amount as the fee that the bank which owns the ATM charges BBVA. This amount will be provided by the bank that owns the ATM before the cash withdrawal.
      • ATMs located outside Spain: 4.5% (minimum €3).

      With the personalized paymentrevolving, 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 revolving 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% (19.56% NDER).

      Personalized payment example revolving 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 personalized revolving payment methods with a fee from 3 to 6 months, as they represent the maximum and minimum APRs, respectively. 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 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 52.17%

      This system specifically applies to each individual settlement for which it has been 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.

      With the deferred paymentrevolving, you can pay a fixed amount each month or a percentage of your card bill. This payment method charges interest.

      • Interest rate: 17.52% annually.
      • Credit limit: €2,000. 
      • Yearly credit card issue and maintenance fee: €80. 

      The monthly payment settlement date is the last business day of each month. On the 5th of the following month, you will pay a fixed monthly amount that includes principal, interest and fees. 

      The minimum monthly amount is €12, and you can choose any higher amount. 

      The payment chosen is used to pay the interest and agreed expenses first, and then to repay the loan or the balance you draw down. Because of this, selecting lower payments could lead to a smaller proportion of the principal being repaid every month.

      Once you take out the card, you can use both the BBVA app and bbva.es to calculate the repayment period based on your chosen payment method, as well as the total interest payable, if any.

      You can also use the card simulatorrevolving of the Bank of Spain to calculate the approximate total amount payable or the final payment date, based on the expense and the payment method selected.

      Remember that you can change the payment method for your card whenever you want.

      Deferred payment example revolving with fixed payment

      If you make a purchase for €1,500 with an NIR of 17.52% and you choose to make a fixed monthly payment of €43.69, you would have to pay: 

      • 48 monthly payments of €43.69. 
      • The total amount payable will be €2,096.88 and the APR will be 18.99% (18.99% NDER).

      This example complies with the information requirements of Order EHA/1718/2010, which governs and controls the advertising of banking services and products, the conditions of which may not correspond to those of the contract. 

      In the case of the Después Gold Card, keep in mind that the €80 issuance and maintenance fee (which the bank charges annually) and the minimum monthly repayment percentage (3%) mean that the 48 monthly payments will be different, even if you select a payment of €36.80.

      So if you take out the card and that same day, for example, May 1, 2020, you make a purchase for your full credit limit and decide to pay the bill on the 5th of that month, this is what you would have to pay:

      • 48 monthly payments of different amounts (including principal and interest). 
      • The total amount payable will be €2,335.89 and the APR will be 31.60% (18.99% NDER)

      The fixed monthly payment may not be less than 3% of the amount spent, shown in the "Credit Card Account" statement before settlement, plus the interest generated during the corresponding monthly settlement period and the relevant fees.

      The settlement period starts on the first business day and ends on the last business day of the month. On the last day (30th or 31st), a bill is issued for the total of all the purchases you made with your credit card during this period.

      The bill is charged to the account on the 5th of the following month.

      Deferred payments are settled on the last business day of the month. This day (30th or 31st), the bill corresponding to the settlement is issued, and then charged to the account The settlement period starts on the first business day and ends on the last business day of the month.  on the 5th day of the following month.

      If that happens, you'll be able to use up to 20% more. A 3% fee is applied to the extra amount you use, with a minimum of €6 and a maximum of €12.

      Every month you will receive a statement detailing all the payments and cash withdrawals on credit you made with the card.

      Yes, you can request additional cards for other users. These cards will be associated to the same account and will share your same credit limit.

      A fee of 3% will be charged on the amount resulting from the equivalent value in euros of all transactions made outside the eurozone based on the exchange rate obtained by the Payment Systems on the date on which they carry out the corresponding settlement.

      By law, we have to provide you with a standard document with the pre-contractual information on payment services to help you better understand its main features and so you can compare with other cards and make an informed decision.

      Open document.

      See the European regulation, PSD2, on electronic payment services here. 

      See document

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      • BBVA Después Card.
      • BBVA Después Gold Card.
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      • Después Young Person's Card.
      • BBVA credit cards.
      • Go to BBVA Cards category.

      Be a BBVA customer.

      • We have a network of 6,000 ATMs in Spain that are always available for you.
      • We are leaders in digital innovation working to make your life that bit easier.
      • Our approach is based on transparency, clarity and responsibility.

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      Can you imagine having everything you need from your bank on your cellphone? With the BBVA app you have that.

      Find out about all of BBVA's procedures and tools that are available on your cell phone to make your day-to-day life easier.
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      2. BBVA Después Gold Card

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