Optimizer Credit Card

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Get the access, advantages and availability you need to open new doors.

  • Competitive APR on purchases – 16.24%. This APR will vary with the market based on the Prime Rate.
  • Easily increase your credit line – With the Optimizer Credit Card, you can increase your credit line anytime by simply depositing additional funds to savings account.
  • Secured credit – Your Optimizer Credit Card is secured by an interest-bearing collateral savings account. Earn interest on your savings while building your credit history.
  • Real credit – The Optimizer Credit Card looks and works like a regular credit card.
  • Multiple Payment Options – You can pay by mail, automatic debit, online banking or in a branch.
  • Acceptance virtually everywhere – The Optimizer Credit Card is accepted everywhere that Visa® is accepted.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit, Limited Credit Secured $40* N/A* N/A* 16.24%* None


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:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $40** for this card.

Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

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. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any BBVA Compass product.

Other Basics:
The grace period listed for the Optimizer Credit Card is at least 25 days*. So interest charges will not be applied for new purchases during this time. 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, but normally much sooner.

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