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Card Basics

 

Type Credit Needed Category Annual Fee Intro APR Regular APR Rewards Grace Period
Visa Poor Credit, Limited Credit Secured $40* N/A* 16.24%* (Variable)* None 25 Days*

BBVA Compass Optimizer Secured Visa

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BBVA Compass Optimizer Secured Visa®

Quick Summary:
This Visa offer is issued by BBVA Compass. This is a secured card that does not issue a traditional line of credit. APR's may vary among applicants, however the lowest standard APR is 16.24%* (Variable)*.

Important Rates:
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 12.99% to the U.S. prime rate.

There is an annual fee of $40** for this card.

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO credit score of 441 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the BBVA Compass Optimizer Secured Visa® is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

Uses for this type of card may include budgeting funds, adding deposits for later use, building a credit rating (if issuer reports to the credit bureaus), and possibly more.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 441, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks.

Offer Details:

The BBVA Compass Optimizer Card is a secured credit card, which means your credit line is backed, or secured, by a collateral savings account. Designed for people who need to build or improve their credit history, this card gives you the financial flexibility and convenience you need for today’s world.

    * Looks and works like a regular credit card
    * Credit line is secured by an interest-bearing collateral savings account
    * Credit line can be increased anytime with deposits to savings account
    * Acceptance at over 28 million locations worldwide that accept Visa®



* Disclaimer: Please see the credit card application for details about the offer as well as the terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

 

 


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Secured Card Rate Comparison

APR16.24%* (Variable)*
Avg. APR12.89%**
Annual Fee$40*
Avg. Annual Fee$18.87**

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Secured cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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