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BBVA Optimizer Secured Credit Card

BestCards Team

| Last updated on October 27th, 2023

BBVA Optimizer Credit Card®

BBVA Optimizer Credit Card®
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
$40 Annual Fee

BBVA Optimizer Credit Card®

  • 22.24% variable based on the Prime Rate Regular Purchase APR
  • 22.24% variable based on the Prime Rate Balance Transfer APR
  • 31.24% variable based on the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Designed for people who need to build or improve their credit history
  • Credit line can be increased anytime with deposits to savings account
  • Acceptance at over 28 million locations worldwide that accept Visa®
  • Competitive APR on purchases
  • Regular Purchase APR: 22.24% variable based on the Prime Rate
  • Balance Transfer APR: 22.24% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 31.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: $40
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $27
  • Minimum Deposit Required: $500
  • N/A

At a Glance

When you need to build or repair your credit, options may be limited. The BBVA Optimizer Credit Card, however, offers a competitive rate and works like a regular credit card, all while helping you build credit history, increase your credit, and achieve your credit goals. You’ll enjoy a credit line that’s backed by a collateral savings account along with extra perks like Visa Zero Liability.

Ideal for Those Who:

  • Want to build or improve your credit score
  • Would like to be able to increase your credit limit easily and quickly
  • Want to take advantage of competitive APR rates
  • Want like a secured credit card that works just like a regular credit card

BBVA Optimizer Credit Card Review

The BBVA Optimizer Credit Card is a convenient way to build or improve your credit score. Your Optimizer Credit Card is secured by an interest-bearing collateral savings account, which means you’ll earn interest on your savings even as you build your credit history.

You’ll enjoy the convenience of multiple payment options – pay in person at a branch, pay by mail, or pay online. Your BBVA Compass Optimizer Credit Card will work just like a regular credit card and is accepted everywhere that Visa® is accepted – you can use your card at over 28 million locations worldwide. You’ll even be able to easily increase your credit line – simply deposit additional funds into a savings account. Rebuilding credit is easy with this card.

Should You Apply for the BBVA Optimizer Secured Card?

The BBVA Compass Optimizer Credit Card is a great option if you want to optimize your credit score while taking advantage of competitive APR rates for purchases and balance transfers, and a relatively low annual fee.

Related Article: What Are the Best Secured Cards for Building Credit? 

For more information on bad credit or secured credit cards in general, visit our Comprehensive Secured Card Reference Page, featuring the best-secured card offers, detailed advice, and tips to help you build your credit history.

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