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Negocios Credit Card for SMEs

Negocios Credit Card for SMEs

The BBVA Negocios Credit Card is designed for self-employed workers and independent professionals who want more control over their expenses and who travel frequently using their own vehicle.

  • 2% discount on fuel when using this card at Solred service stations* (Repsol, Campsa and Petronor).

  • Bill with VAT for payments made via Solred terminals.

  • MasterCard Connection Service* including legal advice and tax management.

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How does it work?

This Mastercard credit card allows you to pay off your expenditure at the end of the month, or pay it off in various instalments, and adapts to your professional activity as it has specific benefits for self-employed workers, SMEs and liberal professionals.

Perfect for professionals and self-employed workers who travel frequently using their own vehicle. It enables you to save money every time you refuel, thanks to its discounts at Repsol, Campsa and Petronor gas stations.
With the Negocios Card Credit can pay your purchases or carry out cash withdrawals credit in ATMs.


Features

  • A 2% discount on fuel at Repsol, Campsa and Petronor service stations. 
  • You will have a bill with VAT, detailing the payments made via Solred terminals.
  • These cards offer the MasterCard Connection Service, a new no-cost feature providing IT assistance, legal advice, business management services, business internationalization consulting, and VAT refund services for EU countries; designed to offer solutions for the most common IT and legal consulting needs faced by the self-employed and independent professionals when carrying out their business activities. Detailed information about the MasterCard Connection Service is found here.

Terms and Conditions

  • Fee yearly by issuance and maintenance of card: €48, exempt for the first year. Have the possibility of not pay this fee for issuance and maintenance of card if the rest of years if your annual turnover is higher than 1,500€.
  • Fee for cash withdrawal credit through card in ATMs:
Cash withdrawals Against checking account (debit) Against credit card account
ATMs of the BBVA group in Spain €0 2% (minimum €1.80)
ATMs in Spain of banks other than the BBVA group Note 1 Note 2
ATMs outside of Spain 4% (minimum €2.40) 4% (minimum €2.40)

Note 1: If you use your credit card to withdraw cash in Euros from an ATM that does not belong to the BBVA Group in Spain, BBVA will charge you the amount it has to pay the bank that owns the ATM in order to perform the transaction. This amount will be provided by the bank that owns the ATM before the cash withdrawal.

Note 2: For the cash withdrawals credit through card in ATMs belonging to a company different of the BBVA Group in Spain in Euros, BBVA have repercussions the same amount of the fee encashed for the company account holder of the ATM to BBVA. This amount will be provided by the bank that owns the ATM before the cash withdrawal. Likewise, BBVA you charge the fee indicated for ATMs Group BBVA in Spain. This fee is additional to the fee for cash withdrawal credit through card in ATMs of companies different of the BBVA Group in Spain.

  • Other fees:
    • Inquiry fee at non-BBVA ATMs: €0.60.
    • Using the card outside the eurozone: 3%.
    • Compensation on past-due balances: €30.
  • Credit payment methods:
Payment methods Cost
Total payment No purchase fees
Deferred payment NIR yearly 22.20%, and APR 24.60%

Personalized payment
3 months with a 7 euro fee
6 months with a 25 euro fee
You pay no interest
You can pay between 3 and 36 monthly installments, with a monthly NIR of 1.5%, (19.56% APR) applicable to the outstanding amount
Zero Payment Free of charge
  • Full payment: you pay back all the money spent in a month on the 5th of the following month.
  • Deferred payment: you pay back the money over various instalments, either with a fixed amount each month or as a percentage of what you have spent.
  • Personalized payment: break up the payment of a single purchase or a month's expenditure, provided it is more than 50 euros.
  • Zero payment: delay the payment of your monthly expenses up to 2 times per year, provided that they are not consecutive, and pay them off the following month.

See legal notice.

The BBVA Negocios Debit Card includes travel and accident insurance. This coverage is the same regardless of form of payment for the card. The main coverage types are displayed below.



ACCIDENT INSURANCE (for any trip paid for using the card):

Accident Coverage
Death €310,000
Full permanent disability €310,000
Partial permanent disability €155,000
Compensation for payments made with the card in the event of death or full permanent disability €6,000
Repatriation of remains €3,000
Kidnapping expenses €6,000



TRAVEL ASSISTANCE INSURANCE (you do not need to pay for it with the card):

Travel assistance Coverage
Coverage for baggage theft, damage, or loss Up to €600
Baggage delay coverage Up to €900
Travel delay coverage Maximum €570
Medical expenses in a foreign country €3,000
Health-care repatriation for accident or illness Included


Insurance Company: BBVA Seguros, S.A. de Seguros y Reaseguros, registered in the Registry of the Directorate-General for Insurance and Pension Funds under number C-0502.

Broker: 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.