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BBVA Visa® Business Rewards Credit Card review

Last updated:  

Get rewards on office supplies, gas and dining.

  • Get this card if you mostly spend on office supplies, gas and dining.
  • Pick something else if you want rewards on other categories.
  • Apply with fair to excellent credit score of 670 or higher.

Up to 3x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 9 months (then 9.24% to 23.24% variable)

670

Recommended credit score

Details

Product NameBBVA Visa® Business Rewards Credit Card
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 9 months (then 9.24% to 23.24% variable)
Balance transfer APR0% or 3.99% intro APR on balance transfers requested within 90 days for one year (then 9.24% to 23.24%) variable
Cash advance rate22.24% to 27.24% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Penalty APR27.24% variable
Foreign transaction fee3% of the transaction value
Interest free periodUp to 20 days
Late payment feeUp to $49
Returned payment fee$25

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The BBVA Visa® Business Rewards Credit Card comes with a $0 annual fee and a 0% intro APR period on purchases.

What’s more, you get to earn 3x points at office supply stores and 2x points at gas stations and restaurants. You also get to save up to 15% at participating stores with Visa® SavingsEdge. Other business perks include free employee cards with individualized spending limits and simplified recordkeeping and online tools to help you with account management.

On the downside — you can only apply for the card if you live in the following states:
• Alabama
• Arkansas
• California
• Colorado
• Florida
• New Mexico
• Texas

Overall, if you’re looking for a simple rewards card for your business with no annual fee, this could be an option worth considering. But if you live outside the area and you can’t apply for the card, compare other business credit cards.

How to apply for the BBVA Visa® Business Rewards Credit Card

Unfortunately, you can’t apply for this card online. Instead, here are your options:

  1. Call 844-BBVA USA or visit a BBVA branch.
  2. Request to apply for the card.
  3. Fill out the application form and submit.

What credit score do I need?

Increase your chances of approval with a good to excellent credit score of 670 or higher. But you can also apply with a fair credit of 630.

Compare business credit cards

Name Product Rewards Purchase APR Annual fee
Brex for Startups
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Brex for Ecommerce
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
27.24% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
ARCO Business Solutions Fuel Card
18.24% to 27.24% variable
Up to $180
The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.
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Bottom line

If you’re looking for a decent business credit card with no annual fee, the BBVA Visa® Business Rewards Credit Card could be an option worth considering. You get to earn accelerated points at office supply stores, gas stations and restaurants, plus you get to earn signup bonus and save money on interest with a long 0% intro APR period on purchases.

If you can’t apply for the BBVA Visa® Business Rewards Credit Card or if you don’t like its perks, check out the best business credit card options that’ll let you earn rewards on business purchases.

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