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Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
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      BBVA Viajes+ Card

      If you travel regularly, this is the credit card for you

      It includes trip cancellation and lost luggage insurance for your peace of mind.

      • It has a lower fee at ATMs abroad.
      • Best terms and conditions on purchases outside the euro area.
      • Discounts when booking accommodation with B The Travel Brand
      Apply

      Pay for your card expenses however you like

      • With the BBVA Viajes+ 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 21st of the same month or the 5th of the following month.
        • Deferred payment revolving: pay a fixed amount of the bill on the 21st of each month, with interest. You can also do so on the 5th of the following month, although you will have to pay interest on the amount until the payment date.

      Defer any purchase instantly

      • Customised payment 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.

      Travel worry-free

      • The BBVA Viajes+ Card includes insurance that covers most of the incidents you can encounter when traveling:

        • Insurance for loss, damage or theft of luggage.
        • Insurance for delayed or overbooked flights.
        • Cancellation insurance (see insurance policy for conditions).
        • Travel accident insurance of up to €760,000.
        • Telephone interpreter service in English, French and German.
        • ATM theft insurance.
      You can also use the BBVA Viajes+ card as a debit card at ATMs.

      Half off the first year

      • The first year of the BBVA Viajes+ Card, the credit card issue and maintenance fee is cut in half, meaning it will cost you €15 instead of the usual €30.

      It also offers benefits outside the eurozone

      • If, for example, you travel to the United States and want to buy something there, with other BBVA cards you would pay a 3% fee; with the BBVA Viajes+ Card, the fee is halved (1.5%).

      Apply for the BBVA Travel+ Card

      Apply

      Add the card to your smartphone from the BBVA app and pay directly with your phone.

      Would you like more information?

      Yearly credit card issue and maintenance fee: the first year, you will only pay 50% of the issue and maintenance fee. It will be €30 in subsequent years for the first account holder and €30 for any other beneficiary cards (with the same credit limit as your card).

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

      • ATMs of the BBVA group in Spain: 3.5% (minimum € 3)
      • ATMs of banks other than the BBVA Group in Spain: BBVA will charge you the same fee that it has been charged by the bank owning the ATM. You will be shown this amount on the ATM screen before you withdraw the money. BBVA will also charge you a fee for withdrawing cash on credit at BBVA Group ATMs in Spain (3.5%, minimum of €3).
      • ATMs located outside of Spain: 2.5% (minimum €2).

      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: BBVA will charge you the same fee that it has been charged by the bank owning the ATM. You will be shown this amount on the ATM screen before you withdraw the money.
      • ATMs located outside of Spain: 2.5% (minimum €2).

      The settlement period starts on the 20th of the month and ends on the 20th of the following month. On the 20th of each month, a bill is issued for the total of all the purchases you made with your credit card during this period. If the 20th is not a business day, it will be issued on the preceding business day. 

      You can choose the bill payment date: the 21st of the settlement month or the 5th of the following month, and you can change it at any time. Although if you opted for deferred payments, you will have to pay interest from the settlement date until the payment date.

      If you change the debit date before the 20th of the month, it will take effect in that month's settlement. If you change it between day 20 and 30 of the month, the change will take effect in the settlement for 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 on the 5th of the following month.

      Up to 5% on new bookings, cannot be combined with other offers or applied to special group (or other) prices. Booking and processing of airline, train, ship, bus and transport tickets in general are excluded.

      You can spend up to 20% more than your limit, paying a fee of 3% on the extra amount you use (minimum €6 and maximum €12). If you want to limit the use of the card, it's easy to do.

      Yes. The issue and maintenance fee is the same as for the holder's card and the credit limit is shared.

      A fee of 1.5% on the equivalent amount in euros for all transactions outside of the eurozone, based on the exchange rate obtained by the Payment Systems on the date when the corresponding settlement occurs.

      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. 

      What is the interest on a deferred purchase or bill (personalized payment)?

      • 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.

        Example of personalized payment with interest:

        · NIR: 18% annually.

        · Credit limit: €1,500. 

        · Annual credit card issuance and maintenance fee: €30. 

        You take out the BBVA Viajes+ Card with a limit of €1,500. 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 €52.19, which includes only interest and the annual credit card issuance and maintenance fee, which is €30.

        · The next 11 installments will be for €148.94 each.

        The total amount payable will be €1,690.53 and the APR will be 23.82%.

        Example of personalized payment 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). 

        · NIR: 0% yearly.

        · Credit limit €1,500. 

        · Annual credit card issuance and maintenance fee: €30. 

        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 BBVA Viajes+ Card with a limit of €1,500.  That same day, for example, May 1, 2020, 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 €355 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 €30.

        · The next 5 installments will be for €250 each. 

        · The total amount payable will be €1,605 and the APR will be 27.89%

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

        · The first installment will be for €394.50 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 €30.

        · The next 4 installments will be for €300 each. 

        · The total amount payable will be €1,594.50 and the APR will be 29.33%

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

        • The first installment will be for €459 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 €30.
        • The next 3 installments will be for €375 each. 
        • The total amount payable will be €1,584 and the APR will be 31.38%

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

        • The first installment will be for €573.50 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 €30.
        • The next 2 installments will be for €500 each. 
        • The total amount payable will be €1,573.50 and the APR will be 34.67%

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

      What interest do deferred revolving payments have?

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

        • Interest rate: 17.52%.
        • Credit limit: €1,500. 
        • Annual credit card issuance and maintenance fee: €30.

        The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.

        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 Bank of Spain's revolving card simulator to calculate the approximate total card payment or the final payment date, based on the expense and the payment method chosen.

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

        Example of deferred revolving payment with fixed amount

        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. 

        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 €2,216.98 and the APR will be 22.92%, 

        The calculation of the APR and the total amount payable takes into account the €30 card issuance and maintenance fee, which is charged annually.

        IMPORTANT: With the settlement system of the BBVA Viajes+ Card, it isn't always possible to repay the credit in 48 equal monthly installments because the minimum amount payable is 3% of the balance drawn. This means that every month, you will pay the higher of the following amounts:

        •  The selected fee, made up of principal, interest and fees.
        • Or 3% of the credit drawn before settlement, plus the interest and fees for the period. 

        Therefore, if you get this card and on the same day, for example, May 1, 2020, you make a purchase for 1,500 euros and choose to make payments of 37.54 euros on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,140.81. The APR will be 23.69%.

        The calculation of the APR and the total amount payable takes into account the €30 card issuance and maintenance fee, which is charged annually in the month when the card is issued. This fee is part of the balance financed.

        Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.

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      Be a BBVA customer.

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      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      BBVA Online Banking

      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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