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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
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, transit and rideshares, and at gas stations, office supply stores and restaurants, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles once after spending $3,000 in your first 3 months.
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.
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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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