Updated October 13, 2026 · DebitCue Editorial Team
BBVA Aqua Más vs BMW Card von American Express
BBVA Aqua Más
Higher score in this comparison
BMW Card von American Express
What sets them apart
| Compare | BBVA Aqua MásReviewSee alternativesSee alternatives | BMW Card von American ExpressReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 3% | 0%Lower |
| Annual fee | €0 | Not confirmed |
| Credit needed | Good | Not confirmed |
| Perks | Travel accident insurance up to 1.5 million euros on high value cards, 0% fees for currency exchange and cash withdrawals abroad on premium cards, Pack Viajes plans to raise the free foreign currency limit from 2.99 per month, 10% cash back on subscriptions (Netflix, Spotify) on the Aqua Maxima Card, Up to 40% discount on Renfe train tickets with the Renfe Dorada Card, 1 Avios point per 5 euros spent with the Iberia Classic Card, Contactless payments and mobile payment with BBVA Pay | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- Founded is lower at BMW Card von American Express: 1850 vs 1857.
- BBVA Aqua Más is available in 4 more countries.
- Currency conversion fee is lower at BMW Card von American Express: 0% vs 3%.
- Support channels: only BBVA Aqua Más offers Email, Phone, Chat.
- Support channels: only BMW Card von American Express offers Help centre.
Our verdict on each
BBVA Aqua Más
BBVA Aqua Más suits Spanish customers who want a credit card with no annual fee and solid perks. The €0 annual fee sits at the top of the annual fee ranking, but foreign currency conversion costs 3% on every purchase made abroad.
BMW Card von American Express
For motorists balancing everyday card use with travel use, BMW Card von American Express connects routine payments with a travel theme. It suits people who want one card for town and travel movement while keeping acceptance across their routes in mind.
Score breakdown
| Area | BBVA Aqua Más | BMW Card von American Express |
|---|---|---|
| Cost | 8.8Annual fee of €0 on a credit card, with foreign currency fees of 3% | 9.6Higher |
| Offer | 9.5Higher | 8.2 |
| Trust | 9.9 | 9.9 |
How they place
| Ranking | BBVA Aqua Más | BMW Card von American Express |
|---|---|---|
| Credit cards | 83 of 1020 | 534 of 1020 |
Every fact side by side
| Fact | BBVA Aqua Más | BMW Card von American Express |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Not confirmed | Travel |
| Audience | Not confirmed | Business |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | American Express National Bank |
| Headquarters | Spain | United States |
| Founded | 1857 | 1850Lower |
| Support channels | Email, Phone, Chat | Help centre |
Debit cards
| Fact | BBVA Aqua Más | BMW Card von American Express |
|---|---|---|
| Monthly fee | Not confirmed | $0 |
| Cashback rate | Not confirmed | 1% to 2% |
| Card network | Not confirmed | Amex |
Where each stands against the rest
| Fact | BBVA Aqua Más | BMW Card von American Express | Median |
|---|---|---|---|
| Annual fee | €0at the median | Not confirmed | €0 |
| Currency conversion fee | 3%highest quarter | 0%below the median | 1% |
Median across 312 listed cards.
Pros and cons
BBVA Aqua Más
Pros
- No annual fee on the card, at €0
- Contactless and mobile payments work through BBVA Pay
- Support covers email, phone and chat
Cons
- Foreign currency conversion costs 3% on each transaction
- The cash back on subscriptions and the travel perks sit on other cards in the same range, not on this one
BMW Card von American Express
Pros
- Links everyday card payments with a clear travel theme
- Supports use at home and away through a familiar card network
Who each suits
BBVA Aqua Más
Who it suits
- Customers in Spain who want a credit card with €0 annual fee
- People who pay by phone or in person with contactless and BBVA Pay
- Card users who want help by email, phone or chat
Who should look elsewhere
- Anyone spending abroad often, who would save more with Wise
- Customers wanting cash back on subscriptions, which sits on the Aqua Maxima card
BMW Card von American Express
Who it suits
- Motorists who value travel linked card use
- People who keep town and travel spending on one card
Country by country
| Country | BBVA Aqua Más | BMW Card von American Express |
|---|---|---|
| Italy | Yes | No |
| Mexico | Yes | No |
| Portugal | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
Questions about each
BBVA Aqua Más
Is there an annual fee on the BBVA Aqua Más card?+
No. The annual fee is €0, which puts the card at 1 of 301 brands on that measure. The card is a credit card, so a balance can be carried and repaid later rather than paid in full each month.
What does it cost to use the card abroad?+
Currency conversion costs 3% on a purchase made in another currency. That places the card at 147 of 181 brands, so customers who spend abroad often should weigh that cost before applying.
BMW Card von American Express
What type of card is BMW Card von American Express?+
It is a card with a travel theme for everyday payments and journeys. It runs on a familiar network for use at home and away. You can weigh how often you travel and where you pay before choosing.
How does the card work in plain terms?+
You use the card for purchases and settle activity through your statement later. The travel theme connects routine use with journeys. Check acceptance across your routes and how statements fit your habits.
Other options to compare
BBVA Aqua Más
BMW Card von American Express