Last updated on September 12th, 2023
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BBVA Visa® Business Rewards Credit Card
BBVA Visa® Business Rewards Credit Card
BBVA Visa® Business Rewards Credit Card
- 9.24% to 23.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 9.24% to 23.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 22.24% to 27.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 9 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points at office supply stores
- 2X points at gas stations and restaurants
- 1X point for every $1 in all other purchases
- Free employee cards
- No annual fee
- Intro Purchase APR: 0% for 9 months from account opening date
- Regular Purchase APR: 9.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% or 3.99% on transfers made within 90 days of account open date for one year, based on creditworthiness
- Balance Transfer APR: 9.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 22.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $25
- Over Limit Penalty Fee: $39
- N/A
At a Glance
For the small business owner who’s in the market for a business credit card that will allow them to maximize their rewards when making purchases for their business, the BBVA Visa® Business Rewards Credit Card is a recommended place to start. Earn unlimited 1.5X points for every dollar spent on qualified purchases – all with no annual fee.
Ideal for Those Who:
- You own a business and want to earn points for it
- You want a card that will earn unlimited 1.5X points for everyday business purchases
- Want employee cards at no additional cost
BBVA Visa® Business Rewards Credit Card Review
The BBVA Visa® Business Rewards Credit Card offers many perks for business owners. There is no annual fee, and no fee to add employee cards to your account. You’ll have the flexibility to set individual spending limits for each employee along with convenient itemization of all their purchases on your statement. Cardholders can take advantage of easy-to-use online account services that allow you to easily track expenses and pay bills online.
Highly Competitive APR and 0% Intro APR
The BBVA Visa® Business Rewards Credit Card offers competitive interest rates; your APR for purchases could slightly above 9% – making the card one of the lowest rate business cards from a major issuer in the United States.
Obviously this rate is dependent your creditworthiness and the Prime Rate. Fortunately, regardless of the APR, new accounts enjoy 0% intro APR for the first 9 months that your account is active. This zero APR applies to both purchases and balance transfers, though the intro APR on balance transfers may rise as high as 3.99% depending on your creditworthiness.
Earn Unlimited Rewards
Earning rewards from everyday business purchases is easy with the BBVA Visa® Business Rewards Card. You’ll earn 1.5X points for every $1 in purchases. There is no cap to the total number of points your company can earn, with rewards redeemable through the BBVA mobile banking app.
Additionally, when you enroll your card with Visa® SavingsEdge you’ll save up to 15% on your purchases at participating merchants. Redeem points for an account credit or gift cards.
Should You Apply for the BVA Visa® Business Rewards Credit Card?
Overall, the BBVA Visa® Business Rewards Credit Card is a decent cash back card for BBVA customers that want unlimited cash back at an accelerated earning rate. The 1.5X points the card earns isn’t market-leading but it is competitive in a crowded marketplace.
The major selling points with the BBVA Visa® Business Rewards Credit Card, however, are the APR offers. For those with excellent credit, the APR is below 10% – a very enticing reason to apply. If that wasn’t enough, however, the two 0% intro APR offers sweeten the deal and make the BBVA Business Rewards a tempting offer indeed.
