Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings

BBVA Peru review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

BBVA Peru pairs a credit card with no annual fee and points on every card purchase, which suits spenders who want rewards without a yearly charge. The credit side carries a currency conversion fee of 3%, so it is worth checking against cards with no foreign spend cost.

Key facts

Best for
Peruvian spenders who want points and no annual fee on a credit card
Currency conversion fee
3% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Banco Bilbao Vizcaya Argentaria S.A. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Founded
1951 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Official website
bbva.pe

Credit cards

Annual fee
PEN 0 (Source, checked September 26, 2026)
Currency conversion fee
3% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
1 punto per S/ 4 spent (Source, checked September 26, 2026)
Perks
Interest-free installments up to 24 months, Discounts at partner merchants, Welcome bonus 4,000 BBVA Points (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Banco Bilbao Vizcaya Argentaria S.A. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Founded
1951 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • Annual fee of PEN 0 on the credit card
  • Points rewards at 1 punto per S/ 4 spent
  • Visa network on the card
  • Discounts at partner merchants and interest free installments listed as perks

Cons

  • Currency conversion fee of 3% on the credit card
  • Support runs on phone and help centre only
  • Points accrue on spend rather than as cash back
BBVA Peru

Ready to try BBVA Peru?

Scored 9.0 / 10 by DebitCue.

See alternatives

Who it suits

  • Peruvian residents who want a credit card without an annual fee
  • Spenders who are happy earning points rather than cash back
  • People already banking with a Spanish owned institution

Who should look elsewhere

  • Anyone who spends abroad often and wants a card with no foreign conversion cost
  • Points earners who prefer cash back

Who runs it

BBVA Peru is issued by Banco Bilbao Vizcaya Argentaria S.A., a bank headquartered in Spain. The group dates back to 1951, so the brand sits inside a long established European banking group rather than a newcomer. It is listed with the MiCA CASP K8MS7FD7N5Z2WQ51AZ71 licence, so its regulatory status can be checked by looking up that licence. Support is handled on phone and help centre.

How BBVA Peru compares

Where BBVA Peru is available

Available
Peru
Licence in Spain
Comision Nacional del Mercado de Valores (CNMV) (MiCA CASP K8MS7FD7N5Z2WQ51AZ71), checked September 26, 2026, also valid in Spain

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

Does the BBVA Peru credit card charge an annual fee?+

No. The annual fee is PEN 0 on the credit card, and the card is listed under a no annual fee model. That makes it a cheaper starting point than cards that charge a yearly charge for rewards or perks.

What is the currency conversion fee on the card?+

The currency conversion fee is 3%. That cost applies when card spending is converted into another currency, so cards with a lower foreign spend cost may work out cheaper for frequent travel or overseas purchases.

How do the rewards work?+

The card pays 1 punto per S/ 4 spent, and the rewards type is points rather than cash back. Points are earned on card spend, so the value depends on how much you use the card and how you redeem the points.

What other benefits come with the card?+

The listed perks include discounts at partner merchants, a welcome bonus of BBVA Points and interest free installments. These extras sit on top of the points rate and the absence of an annual fee.

Which network does the card run on?+

The card runs on visa, which is a widely accepted payment network. That means the card can be used at most merchants that accept it, both in Peru and abroad.

Who is behind BBVA Peru?+

The card comes from Banco Bilbao Vizcaya Argentaria S.A., a group headquartered in Spain that traces its history back to 1951. It holds the MiCA CASP K8MS7FD7N5Z2WQ51AZ71 licence.

How can I get help with the account?+

Support is available on phone and help centre. The listed channels are the practical routes for questions about the card, so check which one suits the time of day before raising a query.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.

BBVA Peru

BBVA Peru

Peruvian spenders who want points and no annual fee on a credit card

9.0/10See alternatives