BBVA Credit Card Classic
Fee-free credit card with free worldwide withdrawals and a German IBAN.
Score: 8.9 / 10 · Very good
Rating: 8.4 / 10 · 620 reviews
Best for: Fee-free worldwide
Overview
The BBVA Kreditkarte Classic is a genuine credit card from BBVA on the Mastercard network. Fee-free credit card with free worldwide withdrawals and a German IBAN. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to fee-free worldwide. Its strengths lie in travel and use abroad and mobile payments. It is issued with a German IBAN. As a genuine credit card it offers a credit line (effective annual interest 19.99 %).
How the score is calculated
Overall score: 8.9 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 5.6 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 3.6 / 10 |
| Community signal (12 %) | 8.2 / 10 |
Highlights
- €0 annual fee
- Free cash withdrawals worldwide
- No foreign currency fee
- German IBAN
Costs & Fees
| Annual fee | 0 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 19,99 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | BBVA |
There is no annual fee. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. The effective annual interest rate is 19.99 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Travel Credit Cards · Student Credit Cards · Credit Cards With Instalments
Similar credit cards
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
- Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account.
Frequently asked questions
- What does the BBVA Kreditkarte Classic cost per year?
- The BBVA Kreditkarte Classic has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the BBVA Kreditkarte Classic charge foreign currency fees?
- No. With the BBVA Kreditkarte Classic you pay no foreign currency fee worldwide.
- Is the BBVA Kreditkarte Classic a genuine credit card?
- Yes, the BBVA Kreditkarte Classic is a genuine credit card with a credit line (effective annual interest 19.99 %).
- Does the BBVA Kreditkarte Classic require a SCHUFA check?
- Yes, BBVA runs a SCHUFA credit check for the BBVA Kreditkarte Classic; a negative SCHUFA record can lead to rejection.
- How is money on the BBVA Kreditkarte Classic protected?
- Statutory deposit guarantee Spain (Fondo de Garantía de Depósitos de Entidades de Crédito, FGD), up to €100,000. No voluntary top-up.