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Secured
Credit Cards
Whether you travel frequently, love to shop or simply want a card to pay for expenses in the U.S. – A Secured Credit Card from BB Americas Bank can help you meet your goals
Our Secured Credit Cards are designed with our Clients in mind, allowing you to make purchases domestically or internationally without incurring any international transaction fees
A Secured Credit Card is backed by a deposit, in which the amount deposited becomes the credit limit for the card.
In other words: if you make a $1,000 deposit, your credit card limit will be equivalent to $1,000.
This deposit is held in an account as a collateral. The deposit, in this case, is not used towards monthly payments. Monthly payments will need to be done from another account.
Choose the category:
Low Annual Fee
Key Benefits
No foreign transaction fees
When making purchases outside of the U.S.
APR¹
Intro Purchase APR
0% APR for 12 months on purchases and balance transfers
After the first 12 months, 18.00%
Deposit Amount
Annual Fee
Available For
Not an existing BB Americas Bank Client?
Open Your AccountTravel
Key Benefits
No foreign transaction fees
When making purchases outside of the U.S.
APR¹
Intro Purchase APR
0% APR for 12 months on purchases and balance transfers
After the first 12 months, 18.00%
Deposit Amount
Annual Fee
Available For
Not an existing BB Americas Bank Client?
Open Your Account
Key Benefits
Priority Pass™ Membership
Enjoy 4 Complimentary Airport Lounge Visits
No foreign transaction fees
When making purchases outside of the U.S.
APR¹
Intro Purchase APR
0% APR for 12 months on purchases and balance transfers
After the first 12 months, 16.24%
Deposit Amount
Annual Fee
Available For
Not an existing BB Americas Bank Client?
Open Your AccountLuxury Travel
Key Benefits
Priority Pass™ Membership
Enjoy 4 Complimentary Airport Lounge Visits
No foreign transaction fees
When making purchases outside of the U.S.
APR¹
Intro Purchase APR
0% APR for 12 months on purchases and balance transfers
After the first 12 months, 16.24%
Deposit Amount
Annual Fee
Available For
Not an existing BB Americas Bank Client?
Open Your AccountExplore BB Americas Bank Credit Cards Benefits
Classic
Visa®
BB Americas Bank Credit Cards are accepted worldwide – use it anywhere Visa® is accepted.
Zero fraud liability for unauthorized purchases
Zero fraud liability protects you against fraud in case your card is used without your consent.
Plus, BB Americas Bank alerts its clients in order to prevent fraud cases.
Coverage
Emergency Card Replacement*
Emergency Cash Disbursement*
Add an authorized user to your account
An authorized user receives a credit card issued in their name and can make purchases but shares the total credit limit with the primary cardholder.
Set up monthly automatic payments
Set up monthly payments through the Credit Card portal to avoid late fees. Learn How.
Platinum
Visa®
BB Americas Bank Credit Cards are accepted worldwide – use it anywhere Visa® is accepted.
Zero fraud liability for unauthorized purchases
Zero fraud liability protects you against fraud in case your card is used without your consent.
Plus, BB Americas Bank alerts its clients in order to prevent fraud cases.
Add an authorized user to your account
An authorized user receives a credit card issued in their name and can make purchases but shares the total credit limit with the primary cardholder.
Set up monthly automatic payments
Set up monthly payments through the Credit Card portal to avoid late fees. Learn How.
Coverage
Travel Accident Insurance*
Trip Cancellation Insurance*
Auto Rental Collision Damage Waiver*
Emergency Card Replacement*
Emergency Cash Disbursement*
Platinum Plus
Visa®
BB Americas Bank Credit Cards are accepted worldwide – use it anywhere Visa® is accepted.
Zero fraud liability for unauthorized purchases
Zero fraud liability protects you against fraud in case your card is used without your consent.
Plus, BB Americas Bank alerts its clients in order to prevent fraud cases.
Add an authorized user to your account
An authorized user receives a credit card issued in their name and can make purchases but shares the total credit limit with the primary cardholder.
Set up monthly automatic payments
Set up monthly payments through the Credit Card portal to avoid late fees. Learn How.
Coverage
Travel Accident Insurance*
Trip Cancellation Insurance*
Auto Rental Collision Damage Waiver*
Emergency Card Replacement*
Emergency Cash Disbursement*
Complimentary Airport Lounge Access
BB Americas Bank Platinum Plus cardholders will receive automatic membership with Priority Pass™ and enjoy four (4) complimentary annual visits to VIP airport lounges.
Sit back and relax before your flight at one of over 1,300 VIP lounges in more than 600 cities worldwide. BB Americas Bank will enroll you in the program, allowing you to access participating lounges regardless of your travel class or airline.
Using the Priority Pass™ you can:
- Experience relaxing ambience for both you and your guests with excellent business and leisure facilities.
- Grab complimentary refreshments and snacks.
- Access email, internet and conference space.
For more information and to find the location of available lounges, please visit:
¹After that, your APR will vary between 16.24% to 18.00% based on your creditworthiness when you open your Account.
*Certain terms, conditions and exclusions apply. All travel benefits are provided by Visa®. Regarding Travel Accident Insurance, Trip Cancellation Insurance, Auto Rental Collision Damage Waiver, the cardholders may contact Visa® at 1-800-VISA-911 or 410-581-9994 outside the United States or visit www.visa.com for more information.
-Secured Credit Card applicants are required to open a Personal Secured Credit Card Checking Account or a 24-month CD and assign as collateral. The CD will automatically renew at the end of the 24 months.
Pricing Disclosure
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 16.24% to 18.00% based on your creditworthiness when you open your Account. |
| (APR) for BalanceTransfers | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 16.24% to 18.00% based on your creditworthiness when you open your Account. |
| (APR) for Cash Advances | 18.00% APR for Cash Advances. |
| Penalty APR and When it Applies | Variable rate up to 18.00% based on your creditworthiness. This APR may be applied to your account if you: 1) Make a late payment; 2) Go over your credit limit twice in a six-month period; 3) Make a payment that is returned How long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about the factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | None |
Transaction Fees
|
Either $5 or 3% of the amount of each balance transfer, whichever is greater, up to $100.00. This fee is a finance charge. $5.00. 0% of the transaction amount. 0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands. |
Penalty Fees
|
Up to US$39. None Up to US$39. |
Other Fees
|
Domestic (within the USA) $25; International $45. If a copy of any monthly statement, sales draft or similar document is provided by us at your request (other than in connection with billing error inquiries or resolution), a document fee of $3.00 plus applicable sales tax, may be assessed. |
How We Will Calculate Your Balance: For Purchase balances, we will use a method called “Daily Balance” (including new purchases). See the section title Calculation of Interest Charges in your Credit Card Agreement and Disclosure Statement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the Purchase APR or Balance Transfer APR if you make a late payment.
Pricing Disclosure - Secured Credit Card
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 16.24% to 18.00% based on your creditworthiness when you open your Account. |
| (APR) for Balance Transfers. | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 16.24% to 18.00% based on your creditworthiness when you open your Account. |
| (APR) for Cash Advances | 18.00% APR for Cash Advances. |
| Penalty APR and When it Applies | Variable rate up to 18.00% based on your creditworthiness. This APR may be applied to your account if you: 1) Make a late payment; 2) Go over your credit limit twice in a six-month period; 3) Make a payment that is returned How long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50. |
| For Credit Card Tips from the Consumer Financial Protection Bureau’ | To learn more about the factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | Domestic Secured Credit Cards: Visa Classic $25; Visa Platinum $25; Visa Platinum Plus $25
International Secured Credit Cards: Visa Classic $60; Visa Platinum $120; Visa Platinum Plus $200 |
Transaction Fees
|
Either $5 or 3% of the amount of each balance transfer, whichever is greater, up to $100.00. This fee is a finance charge. $5.00. 0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands. |
Penalty Fees
|
Up to US$39. None Up to US$39. |
Other Fees
|
Domestic (within the USA) $25; International $45. If a copy of any monthly statement, sales draft or similar document is provided by us at your request (other than in connection with billing error inquiries or resolution), a document fee of $3.00 plus applicable sales tax, may be assessed. |
How We Will Calculate Your Balance: For Purchase balances, we will use a method called “Daily Balance” (including new purchases). See the section title Calculation of Interest Charges in your Credit Card Agreement and Disclosure Statement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the Purchase APR or Balance Transfer APR if you make a late payment.
Pricing Disclosure
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 10.99% to 18% based on your creditworthiness when you open your Account. |
| (APR) for Balance Transfers. | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 10.99% to 18% based on your creditworthiness when you open your Account. |
| (APR) for Cash Advances | 18% APR for Cash Advances. |
| Penalty APR and When it Applies | Variable rate up to 18% based on your creditworthiness. This APR may be applied to your account if you: 1) Make a late payment; 2) Go over your credit limit twice in a six-month period; 3) Make a payment that is returned How long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50. |
| For Credit Card Tips from the Consumer Financial Protection Bureau’ | To learn more about the factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | Domestic Secured Credit Cards: Visa Classic $25; Visa Platinum $25; Visa Platinum Plus $25 International Secured Credit Cards: Visa Classic $60; Visa Platinum $120; Visa Platinum Plus $200 |
Transaction Fees
|
Either $5 or 3% of the amount of each balance transfer, whichever is greater, up to $100.00. This fee is a finance charge.
$5.00. 0% of the transaction amount. 0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands. |
Penalty Fees
|
Up to US$39. None Up to US$39. |
Other Fees
|
Domestic (within the USA) $25; International $45. If a copy of any monthly statement, sales draft or similar document is provided by us at your request (other than in connection with billing error inquiries or resolution), a document fee of $3.00 plus applicable sales tax, may be assessed. |
How We Will Calculate Your Balance: For Purchase balances, we will use a method called “Daily Balance” (including new purchases). See the section title Calculation of Interest Charges in your Credit Card Agreement and Disclosure Statement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the Purchase APR or Balance Transfer APR if you make a late payment.
uChoose Rewards Program
Redemption for the Statement Credit/Cash Back to Account
| UChoose Rewards® Points | Statement Credit |
|---|---|
| 2,500* | $25 |
| 5,000 | $50 |
| 7,500 | $75 |
| 10,000 | $100 |
| 15,000 | $150 |
| 20,000 | $200 |
| 30,000 | $300 |
| 40,000 | $400 |
| 50,000 | $500 |
| 60,000 | $600 |
| 70,000 | $700 |
| 80,000 | $800 |
| 90,000 | $900 |
| 100,000 | $1,000 |
* Minimum # of points required for Statement Credit Redemption.