BBVA
BBVA Negocios Crédito
BBVA Negocios Crédito is a business credit card for companies and self-employed professionals in Spain. It supports professional expense management, flexible repayment options, fuel savings at Repsol Group stations, and travel accident and assistance insurance.
Highlights
Main benefits
- Business credit card for companies and self-employed professionals in Spain
- €0 issue and maintenance fee in the first year
- €48 annual fee from the second year
- Annual fee waived with more than €1,500 in yearly card purchases
- 2% fuel discount at Repsol, Campsa and Petronor stations in the Solred network
- Flexible payment options for business purchases
- Travel accident and assistance insurance included
Fees
Fees and charges
Joining fee
€0 first year
Renewal fee
€48 from the second year
Annual fee waiver
Renewal fee waived when annual card purchases exceed €1,500
Fee savings may also depend on the linked BBVA account and customer relationship
Who can apply
Eligibility
- Company or self-employed professional in Spain
- BBVA business customer
- Suitable business profile and credit approval by BBVA
- Linked BBVA account for card settlement
Checklist
Documents required
- Identity document of the applicant or authorised representative
- Business registration or self-employed professional details
- Tax identification details
- Business banking and financial information
- Additional documents requested by BBVA
Process
How to apply
1. Visit the BBVA Negocios Crédito product page
2. Review the business card features and repayment options
3. Start the application through BBVA’s business banking channel
4. Provide business, identity, and financial documents
5. Complete approval and activate the card with BBVA
Value
Reward and cashback structure
Reward rate
2% fuel discount at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra
Up to 5% fuel discount on selected Repsol fuels during eligible promotional periods
No standard points rewards rate specified
Cashback
Not available
Value is mainly through fuel discounts rather than cashback
Good fit
Pros
- Good fit for everyday business expenses
- Useful fuel savings for companies with travel or vehicle costs
- First year card fee is €0
- Annual fee can be waived with moderate spending
- Backed by a major Spanish bank
- Includes travel accident and assistance insurance
Watchouts
Cons
- Not a cashback-focused card
- No standard points rewards program specified
- Lounge access is not specified
- Fuel benefit is strongest at selected Repsol Group stations
- Credit approval is required
Related
Related cards
Compare
Compare Cards
| Field | BBVA Negocios Crédito | Plazo Credit Line / Plazo Card |
|---|---|---|
| Bank/provider | BBVA | Plazo Credit S.L. / Pecunia Cards EDE, S.L.U. |
| Joining fee | €0 first year | No joining fee |
| Renewal fee | €48 from the second year | No annual fee |
| Best for |
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| Reward rate |
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| Cashback |
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| Lounge access | Not specified | Not available |
| Fuel surcharge waiver |
| Not available |
| Welcome benefit | Not specified | Not specified |
| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |