Secured Visa® Business Credit Card

Secured Visa® Business Credit Card

 overview

A secure card for business expenses

Designed for growing businesses, the Secured Visa® Business Card is the flexible and secure business credit card option.

 Benefits

No annual fee for one year

You pay no annual fee for the first year with BBVA Compass Secured Visa® Business Credit Card. After that, you pay a low fee of $40 per year.

Secured by savings

Before applying for the Secured Visa® Business
Credit Card, you must open a Secured Credit Card Savings Account. The minimum opening deposit is $500. You can make deposits at any time in $100 increments.

Easy-to-manage credit

Your available credit will be 90% of your savings account balance. You can add funds to your account to increase your credit limit.

Online account services

Manage your account at your convenience, with online services that allow you to track employee expenses, pay bills online, view and download up to 24 months of past account statements, and integrate expenses, data, and reports with accounting software packages.

Learn more about CentreSuite

Free employee cards

Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping.

Separate business expenses

Keep your business expenses separate from personal expenses to make it easier to track spending and prepare your taxes.

 rewards

Earn points for your purchases

CompassPoints® Rewards Program

  • Earn 1 point for every $1 in Qualifying Purchases. 
  • When you have multiple BBVA Compass cards, you can combine points and reach the rewards you want faster.
  • As a cardholder, you are automatically enrolled to earn rewards for no additional fee.

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Build Your Own Rewards with CompassPoints®

  • Earn double and triple CompassPoints® when you make purchases in the categories you select. Choose from categories including office supplies, utilities, groceries, gas, travel, and healthcare.

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Visa® SavingsEdge§

  • Shop with your enrolled Visa® Business credit card at participating merchants and save up to 15%.

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 Other Perks

Visa® Business benefits

Visa Liability Waiver Program

Visa Liability Waiver protects you against eligible losses that might be incurred through card misuse by a terminated eligible cardholder up to $100,000.

Auto Rental Collision Damage Waiver Program

If you rent a car with your business credit card, you’ll be covered with collision, damage, and loss insurance.  

Purchase Security and Extended Protection

Automatically protects the majority of purchases you make with your business credit card within 90 days of purchase in the event of loss, theft, damage, or fire.

Travel and Emergency Assistance

When you’re traveling for business, you can count on a wide range of Visa® emergency services, including ticket replacement, legal or medical referrals, and more—24 hours a day, 365 days a year.

Travel Accident Insurance

Get coverage up to $500,000 for travel accidents when transport (Common Carrier) is purchased with your business credit card.

 APR, Terms, and Fees

Interest rates and charges

These terms and conditions are accurate as of March 17, 2017,  but may be subject to change. You can always find the most recent terms by contacting us at: BBVA Compass, P.O. Box 2210, Decatur, AL 35669, or call 1-800-316-0207.  

How We Will Calculate Your Balance: We use a method called “average daily balance (including new Purchases).”

Terms and conditions

Each Annual Percentage Rate (APR) that may apply to your account is shown below:

  • Purchases and Balance Transfers: Wall Street Journal Prime + 12.99%
  • Cash Advances: Wall Street Journal Prime + 21.99
  • Penalty APR: Wall Street Journal Prime + 23.99%
  • Other than special APRs, no APR will be less than 6.99% for Purchases and no APR for Cash Advances will be less than 21.99%

BBVA Compass Secured Visa Business Credit Card accounts are governed by the Secured Visa Business Credit Card Agreement provided to the Business (“Agreement”). Except as provided in any special offer, the account terms may change as provided in the Agreement. This program is not available in Iowa, Maine, New York, or Wisconsin. California Residents: You understand and agree that interest is compounded under the terms of the Agreement. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from month to month. Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Maryland Residents: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.

With Secured Visa® Business Credit Card, you’ll enjoy:

Details you need to make a smart decision

Links to third party sites are provided for your convenience. These sites are not within our control and may not have the same privacy, security or accessibility standards. Third parties are responsible for the content and availability of their sites.

§Visa SavingsEdge is an automated discount program offered by Visa U.S.A. Inc

†The Consumer Financial Protection Bureau website is a third-party sites. The security standards and privacy policies of these third-party sites may be different, and BBVA Compass encourages you to review the third-party sites' policies prior to using the sites. BBVA Compass cannot control, and does not warrant, guarantee or endorse the content of the third-party sites or your use of the third-party sites.