The BBVA credit card is available to customers who opened their BBVA current account at least 6 months ago. Only eligible customers will be approved for the BBVA credit card. Approval will be granted after a credit check. If everything is in order, then you can get the credit card.
BBVA credit card
Benefits and security when paying
- Zero fees during the first 6 months, then free for monthly transactions totaling over €500.*
- For everyday use and travel: Pay worldwide in foreign currencies without a surcharge.**
- Also receive up to €150 cashback during the first 6 months.***
Open your free-forever current account and apply for your credit card after 3 months. You will receive this after a successful credit check.
Get up to €150 cashback
Every payment counts with your BBVA credit card. 5 % Cashback bis insgesamt 150 € in den ersten 6 Monaten. Simply make a purchase and get your money back. Get your credit card.
A perfect option for travel-related payments
Regardless of whether you're planning your next trip or simply making everyday payments, you can make easy and secure payments with your BBVA credit card, no matter where you are.
- For every day: Whether in the supermarket, online or on the go, you can use it to make easy and secure payments in everyday life.
- Flexible everywhere: Use your card worldwide with no hidden fees and fair exchange rates.
- Everything under control: Keep track of your purchases in real time and manage your account directly in the App.
- Security on the go: Travel with peace of mind and integrated protection and support, no matter where you are.
The highest level of security
Turn card on/off
Turn your card on and off at any time in the BBVA App, as often as you like.
Digital security features
Card with a dynamic CVV and without a printed number, for more security.
180-day purchase protection
Reclaim an incorrect payment up to 180 days afterward with BBVA Chargeback.
Card management
Set limits and control your card usage directly in the BBVA App.
Flexible bill payments
One-time payment at the end of the month
Keep track of your credit card transactions and pay your entire bill at the end of the month.
Repayment in installments
Easily split your monthly bill (starting at €50) into installments over a period ranging between 3 and 36 months.****
Transfer between credit card and current account
Transfer money between your credit card and current account with the flexibility you need, whether it's to give you additional liquidity in your account, or to exceed the credit limit on your credit card.*****
Learn more about the BBVA credit card's benefits
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Mobile payments
Link the digital card to your wallet and pay with mobile devices.
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24/7 customer service
Get support from our German-speaking team at any time, any day of the week. Our English-speaking customer service is available every day from 7 a.m. to 9 p.m.
Any questions?
*After the first 6 months, the monthly fee is 2 euros. It is waived if the monthly usage of the BBVA credit card exceeds €500 and there are no payment delays during the period. The credit card fee will also not be charged during the month in which a due credit card installment payment is debited from the customer's BBVA account.
**Cash can be withdrawn at all ATMs that accept Mastercard. For withdrawals outside the Eurozone, BBVA charges a fee of 4% (3 -euro minimum).
The currency exchange for withdrawals and purchases is fee-free; BBVA applies the exchange rate set by Mastercard, without any markup.
Additional fees from the bank operating the ATM may apply.
*** The BBVA cashback offer requires that you first sign a credit card agreement, and lasts for 6 months starting from the date that the credit card agreement has been signed. The offer is valid until September 30, 2026 at the latest.
The cashback rewards begin when you complete your first transaction with the BBVA credit card. This first transaction must be made within 90 days of the signing of the credit card agreement.
It only covers travel-related payments (e.g. those made with airlines, hotels, car rental companies, travel agencies, rail transportation, taxis, tourist attractions) as well as basically all online payments with the BBVA credit card for the first €500 per calendar month. This corresponds to a maximum remuneration of €25 per month.
The following are excluded from cashback through using the BBVA credit card: fee-related BBVA card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, cash withdrawals, and transfers made with the BBVA credit card to the BBVA current account.
**** Partial payment is to be regarded as using your credit. For installment payments, interest is currently charged at a rate of 13.99% p.a. Minimum amount €50, term between 3 and 36 months.
*****BBVA charges 4% (3-euro minimum) for transfers from the BBVA credit card to the BBVA current account if the amount is not paid in installments. If the transfer amount is repaid in installments, the transfer fee is waived and only the interest on the installment payments is charged. There is also no transfer fee when transferring existing credit.
There are no fees for transferring funds from a BBVA current account to a BBVA credit card.
******Das Angebot setzt die erstmalige Eröffnung eines BBVA Girokontos ab dem 15.09.2026 voraus und gilt für die ersten 6 Monate nach Kontoeröffnung. Der Bruttozinssatz beträgt 3,75 % p.a. für Guthaben bis 200.000 €, ohne Mindestbetrag. For balances above €200,000 and up to €500,000, the gross interest rate is 2.5% p.a.; Balances exceeding €500,000 do not accrue interest. Interest is calculated daily based on your account balance at the end of each day and is credited monthly.
interest after the first 6 months: After the promotional period has ended, a variable gross interest rate will apply to balances up to €500,000. Aktuell beträgt dieser 2,25 % p .a. without further requirements or 2.75% p.a. for monthly payroll or pension payments to the BBVA current account or for monthly payments with your BBVA debit card and/or BBVA credit card totaling over €1,500.
Balances exceeding €500,000 do not accrue interest. Interest rates are reviewed quarterly and may be adjusted. Regardless, the interest rate is always at least 25% of the ECB's applicable interest rate for its deposit facility.
Only transfers marked accordingly are regarded as payroll or pension payments; Transfers from one's own account and transfers from private individuals are not taken into account.
The following are excluded: fee-related BBVA card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.
More information at bbva.de.