BBVA Bank: Main Cards and How to Apply
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BBVA Bank: Main Cards and How to Apply

Discover BBVA Bank's top card options, benefits, and easy application steps.

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  • 6 min read

BBVA Bank is one of Spain’s most important financial institutions, with a strong international presence, especially in Europe and Latin America. Founded in 1857, the bank has evolved significantly over the decades, as a result of various mergers that strengthened its position in the global market. Through technological innovations and a customer-centered approach, BBVA has become a benchmark in the banking sector, offering a wide range of financial services, including credit cards.

With the advent of digitalization, BBVA bank has invested heavily in technology to optimize its clients’ banking experience. This transformation has allowed the bank to stand out in issuing highly competitive credit cards, designed for both local use and international transactions. This global expansion has not only strengthened BBVA’s position as one of the largest banks in Europe.

1. Step-by-Step Guide to Applying for a BBVA Bank Card

The process for applying for a BBVA credit card is simple and can be done both online and in person. For those who choose to apply online, simply visit the bank’s official website and navigate through the available card options.

BBVA’s digital platform is intuitive and allows customers to compare different types of cards, check fees and benefits before making a choice. After selecting the desired card, the consumer must fill out an online form with personal and financial information.

The bank then conducts a credit analysis, and if the customer is approved, the card is sent to the registered address. For in-person applications, the customer can visit one of BBVA’s branches and receive guidance from a manager to choose the best card according to their needs.

The process includes submitting documents and a credit analysis to verify the applicant’s financial capacity. In both application methods, the bank ensures that the process is quick and efficient, facilitating access to its financial products.

2. What Are the Criteria for Applying to BBVA Bank?

To obtain a BBVA credit card, applicants must meet certain requirements that vary depending on the location and type of card chosen. In general, the minimum age required to apply is 18 years old.

Depending on the card, the institution may require a higher age, especially in the case of premium cards. Another important criterion is proof of income. BBVA generally requires the customer to have a minimum proven income, although this amount varies depending on the card and the country of application.

In addition, the bank conducts a credit history analysis, checking the customer’s score and the existence of any outstanding financial obligations. The applicant must also submit basic documents, such as identification, proof of residence, and income.

In some countries, the bank requires that the applicant has legal residence in order to acquire the card.

3. BBVA Bank Main Cards by Continent

BBVA offers a range of credit cards tailored to meet the needs of its customers across different continents.

3.1. Cards in Europe

In Europe, the BBVA Aqua stands out for its innovation in security, as the card has no printed numbers, providing greater protection in both online and in-person transactions.

Another popular card is the BBVA Classic, which offers competitive interest rates and basic benefits, making it ideal for those seeking simplicity. The BBVA Oro is an option for those who want to take advantage of travel insurance and loyalty programs, while the BBVA After attracts a younger audience with its easy application process and no need for proof of income.

Finally, the BBVA Premium is a choice for customers seeking higher credit limits and exclusive benefits, such as access to VIP lounges at airports.

3.2. BBVA Bank Cards in North America

In North America, BBVA presents the BBVA Visa Signature, which offers rewards for travel and cashback on hotels, as well as access to benefits with international partners.

The BBVA ClearPoints allows the customer to choose spending categories to maximize rewards, while the BBVA Compass Rewards offers a robust points and rewards program, ideal for high-income consumers.

The BBVA Secured Card is aimed at those looking to build or rebuild their credit, as it requires a security deposit, while the BBVA Platinum is a premium card with advantages focused on international purchases and travel benefits.

3.3. Cards in South America

In South America, BBVA offers the BBVA Planeta card, which provides cashback on both online and physical store purchases.

The BBVA Platinum Latam Pass is ideal for those traveling across Latin America, offering the opportunity to accumulate miles on regional flights. The BBVA Zero is a no-annual-fee option aimed at young people starting to build a credit history.

The BBVA Latam Visa Gold provides discounts on airline tickets and accommodations, frequently used by frequent travelers, while the BBVA Clásico is a traditional alternative with basic credit benefits.

3.4. BBVA Bank Cards in Central America

In Central America, customers can enjoy the BBVA Internacional, which offers advantages for foreign purchases, with no additional foreign exchange fees. The BBVA Smart is aimed at users who prefer mobile and digital payments, while the BBVA Oro Internacional offers exclusive benefits for travelers.

The BBVA Mastercard Global provides discounts at partner establishments around the world, and the BBVA Puntos is a card that allows users to accumulate points that can be redeemed for products and services.

3.5. Cards in Africa

In Africa, BBVA has a more limited presence, but it still offers the BBVA Gold, a premium card with travel benefits and insurance, and the BBVA Travel Card, designed for customers who frequently travel between Africa and Europe.

The BBVA International Rewards is aimed at consumers who prefer to accumulate rewards on their international purchases, while the BBVA Classic Africa is a more accessible option, offering basic credit benefits. The BBVA Secure is a secure alternative for customers looking for strict control over their credit limits.

3.6. Cards in Oceania

In Oceania, BBVA offers cards that cater to expatriates and travelers, such as the BBVA Platinum, which provides benefits for international transactions and loyalty.

The BBVA Infinite is designed for those seeking exclusivity, with access to VIP lounges and global assistance. For cashback and local rewards, the BBVA Gold is a great option, while the BBVA Rewards allows customers to accumulate points on purchases. The BBVA Eco Card focuses on conscious consumption, offering benefits for eco-friendly purchases.

3.7. Cards in Asia

In Asia, BBVA offers cards aimed at high-income individuals, such as the BBVA Elite, which provides access to miles and discounts at luxury stores, and the BBVA Prestige, which includes concierge and travel assistance.

The BBVA Platinum Select and BBVA Infinite Miles are ideal for accumulating miles, while the BBVA Wealth offers financial advisory and wealth management for premium clients.

4. Conclusion

BBVA Bank has consolidated its position as one of the leading global banks by offering a wide range of financial products tailored to meet the needs of its customers in different regions around the world.

Its history of innovation, coupled with a strong presence in Europe and Latin America, strengthens its role in the credit card market. Whether offering simple and accessible solutions for young people starting to build a credit history or premium cards with exclusive benefits for frequent travelers, the institution remains relevant and competitive in a constantly evolving global financial landscape.

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