A fee will be charged for cash withdrawals on credit at ATMs in the following cases: ATMs of the BBVA GROUP in Spain : 4% (€4 minimum) ATMs of banks other than the BBVA Group in Spain: for cash withdrawals in euros on credit made by card at ATMs belonging to banks that are not part of the BBVA Group in Spain, BBVA will charge the same amount as the fee that the bank which owns the ATM charges BBVA. This amount will be provided by the bank that owns the ATM before the cash withdrawal. Likewise, BBVA will charge the fee for cash withdrawals on credit stipulated for BBVA Group ATMs in Spain. This fee is in addition to the fee charged by BBVA. ATMs located outside Spain : 5% (minimum €3).

Are there fees if you use it outside the euro zone?

A fee of 3% on the equivalent amount in euros for all transactions outside of the eurozone, based on the exchange rate obtained by the Payment Systems on the date when the corresponding settlement occurs.

What requirements are there to apply for your card?

To apply for the revolving A tu Ritmo card, you must have an account with BBVA. Issuance of the card is subject to prior approval by BBVA.

How can you open one?

You can apply at your branch or through the app. We inform you that this document is not a contract offer. If you want to apply for the card, your BBVA adviser will provide you with all the information you need. You can also find this information on the BBVA app or website. Before you sign up, carefully read the Standard European Consumer Credit Information that we provide you with.

Pre-contractual information document for payment services

By law, we have to provide you with a standard document with the pre-contractual information on payment services to help you better understand its main features and so you can compare with other cards and make an informed decision. Open document .

See the European regulation, PSD2, on electronic payment services here.

A Tu Ritmo Revolving Card

The credit card to pay at your own pace

Pay a fixed amount every month:

You have credit available to you instantly.
It includes insurance at no additional cost if you are mugged at an ATM.
Keep track of your monthly spending with a detailed statement.
Have money available instantly by transferring the available card balance to your checking account.
No annual issuance or maintenance fees.

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Turn your card into a travel card

Activate the Travel Pack on your card and save fees for purchases and cash withdrawals outside Spain. You have 3 plans to choose from. Enable it from the app.

Discover it

Decide every month how you prefer to organize yourself

This card lets you finance your purchases or transfer the available balance from your card to your checking account, so that you can have the money available instantly.

You decide how you want to pay back the money you spend:

Fixed revolving payment: each month you pay a fixed amount, with a minimum of €20 per month, provided that these €20 represent at least 3% of the limit withdrawn each month.

And if you want, you can change the amount you want to pay each month at any time instantly at bbva.es, on our app, or at any BBVA branch or ATM.

What you should know

Before applying for a card, get all the details:

Yearly credit card issue and maintenance fee: €0 account holder.

Payees: you can request a secondary card for another person, who will share the same credit limit from your card. The yearly credit card issue and maintenance fee for the secondary card is €0.

If you reach the credit limit for your card, you will be able to use up to 20% more by paying a fee of 3% on the additional amount you use (minimum €6 and maximum €12).

The difference with this card is that the debt derived from the credit is "renewed" monthly: it decreases with the credit you accumulate by making payments, but it increases when the card is used (payments, ATM withdrawals), as well as with interest, fees, and other expenses, which are financed jointly. This difference means that if a low monthly payment is made on the amount of the debt, the principal will be repaid over a very long period of time, which can result in you having to pay a lot of interest.

With the advantages of being with BBVA

Get instant notifications and turn your cards off and on whenever you want.

Whenever you pay or withdraw cash at an ATM from your credit card account, we will send you a notification via the BBVA app so you can review your daily spending and make sure that only you are using the card.

If you ever need to, you will be able to temporarily deactivate your card, or cancel it completely, by simply going into the BBVA app or at BBVA.es.

Change the limits whenever you want:

You can set up limits for using your card to give you better control over your expenses by setting a daily ATM cash withdrawal limit or placing limits on your purchases at physical or online stores.

And with BBVA Mobile Pay, Google Pay, Samsung Wallet and Apple Pay.

You will be able to use your phone to pay in shops that accept contactless technology, in online stores and in apps, comfortably, securely and without having to enter your card details.

What interest do deferred revolving payments have?

With the deferred revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.

Interest rate: 18%.

The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.

The minimum monthly payment is €20, and you can choose any higher amount.

The payment chosen is used to pay the interest and agreed expenses first, and then to repay the loan or the balance you draw down. Therefore, we recommend choosing an installment that allows you to repay the credit drawn down within a reasonable period of time.

Once you take out the card, you can use both the BBVA app and bbva.es to calculate the repayment period based on your chosen payment method, as well as the total interest payable, if any.

You can also use the Bank of Spain's revolving card simulator to calculate the approximate total card payment or the final payment date, based on the amount and the payment method chosen.

Remember that you can change the payment method for your card whenever you want.

Example of deferred revolving payment with fixed payment

This example complies with the information requirements of Order EHA/1718/2010, which governs and controls the advertising of banking services and products, the conditions of which may not correspond to those of the contract.

If you make a purchase for €1,500 with an annual NIR of 18% and you choose to make a fixed monthly payment of €44.06, you would have to pay:

48 monthly payments of €44.06.

The total amount payable will be €2,115 and the APR will be 19.86%.

IMPORTANT: With the settlement system of the A tu Ritmo Card, it isn't always possible to repay the credit in 48 equal monthly installments because the minimum amount payable is 3% of the balance drawn. This means that every month, you will pay the higher of the following amounts:

The selected fee, made up of principal, interest and fees.

Or 3% of the credit drawn before settlement, plus the interest and fees for the period.

If you get this card and on the same day, for example, October 15, 2023, you make a purchase for €1,500 and choose to make payments of €37 on the 5th of each month, the total amount payable over 48 months, assuming an annual NIR of 18%, would be €2,022.86. The APR will be 19.55%.

Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.

Are you interested?

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Some questions that may come up

Are you looking for another type of card?

To pay for your day-to-day expenses with a debit card or to finance a purchase and pay abroad with complete security with a credit card. We have the card you need.

A Tu Ritmo Card

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