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How to cancel a BBVA credit card

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Canceling your credit card from this provider is relatively simple, but be prepared to hold your ground.

When you decide you’re done with your BBVA credit card, you can close your account by either sending a message through your online account or by making a phone call. However, it’s highly likely that you’ll need to talk to a person even after sending a message online.

Looking for a new card?

When you close your BBVA card, you’ll have a chance to get a better one. If the new card comes with a higher credit line than your old one, this could positively affect your credit score. To find the best card, consider your financial needs and compare your card options below.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
13.99% variable
0% for the first 15 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
11.99% to 21.99% variable
1.99% for the first 6 monthly billing cycles (then 11.99% to 21.99% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$0
20.74% variable
Designed for college students to build credit history and earn rewards.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.

Compare up to 4 providers

Steps to cancel your BBVA credit card

  1. Pay off your balance. Make sure there aren’t any outstanding balances before you close your account by either paying it off or transferring your balance to another card.
  2. Redeem your rewards. To avoid losing your rewards, redeem them before you close your account.
  3. Contact customer service. When you’re ready to close your account, log in to your online account and send a message to the BBVA customer service team or call 800-239-5175 to speak to a representative.

How to call in to cancel

When you call in, expect the representative to tempt you with offers like a lower APR, a no-interest period or other bonuses. The offers usually depend on the reason you provide for closing your account. If you do get a generous offer, you can always consider closing another card and keeping this one.

If you still want to close your account, decline the offer and make sure you have the following nearby:

  • Your credit card and account information.
  • Reason for canceling the card — you can give any reason you want.
  • Pen and paper to write down the representative’s name and ID.

Once you’re all set, call 800-239-5175.
BBVA Compass Select℠ Credit Card

Will canceling my BBVA credit card affect my credit score?

In most cases, it will. That’s why, before closing your account, you should ask yourself:

  • What is my overall credit utilization? With a low utilization rate across all of your cards — for example, less than 20%, and especially if your BBVA card isn’t more than 10% of your overall credit limit — the impact on your score should be minimal. More than 20% and there could be a drop in your credit score.
    • Solution: Get another card. If the new card has a higher credit limit than your BBVA card, it will lower your utilization levels and it could improve your credit score. Note that getting a new card also drops your credit history age and likely requires a hard pull on your credit, so there may not be many positive changes.
    • Do I plan to apply for a loan soon? Canceling your card could negatively affect your credit score. If your score drops when you cancel, you could potentially get poor loan conditions.
      • Solution: Wait until your loan is approved. Once you do, you can safely close your card.

      Compare BBVA Compass credit cards

      What should I do after I’ve canceled my BBVA credit card?

      Consider getting your card cancelation in writing. That way, if something happens and your card account remains active, you’ll have proof of your request. When writing the letter, make sure you include:

      • Your name and address.
      • Credit card number.
      • Date of cancelation and the name and ID of the representative you talked to.
      • Request for an account closure confirmation letter.

      Send your letter to:

      BBVA Compass
      P.O. Box 2210
      Decatur, AL 35699
      BBVA Compass Secured Optimizer Credit Card

      Now that you’ve closed your BBVA credit card, compare your credit card options to find the best option for you.

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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