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Credit Card – International Credit Card – International

Secured
Credit Cards

Home | International | Credit Card – International

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.

Check out our categories and choose the card that best meets your goals:

  • Low Annual Fee Low Annual Fee
  • Travel Travel
  • Luxury Travel Luxury Travel
  • Classic Secured
    Classic Secured
    Low annual fee and 0% Introductory APR for the first 12 months¹ to pay for everyday expenses
    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 12 first months, 18.00%

    Deposit Amount
    $500 to $2,900
    Annual Fee
    $60
    Available For

    Existing BB Americas Bank Clients (Non-U.S. Citizens or Non-Permanent Residents)

    Visit A BBA Branch
    Not an existing BB Americas Bank Client? Open Your Account
  • Platinum Secured
    Platinum Secured
    Traveling made better with no foreign fee
    Key Benefits

    No foreign transaction fees
    When making purchases outside of the U.S.

    Earn 1 point per every
    $1 spent

    APR¹

    Intro Purchase APR
    0% APR for 12 months on purchases and balance transfers

    After the 12 first months, 18.00%

    Deposit Amount
    $3,000 to $19,900
    Annual Fee
    $120
    Available For

    Existing BB Americas Bank Clients (Non-U.S. Citizens or Non-Permanent Residents)

    Visit A BBA Branch
    Not an existing BB Americas Bank Client? Open Your Account
  • Platinum Plus Secured
    Platinum Plus Secured
    Key Benefits

    Priority Pass™ Membership
    Enjoy 4 Complimentary Airport Lounge Visits

    No foreign transaction fees
    When making purchases outside of the U.S.

    Earn 1 point per every
    $1 spent

    APR¹

    Intro Purchase APR
    0% APR for 12 months on purchases and balance transfers

    After the 12 first months, 16.24%

    Deposit Amount
    $20,000 to $100,000
    Annual Fee
    $200
    Available For

    Existing BB Americas Bank Clients (Non-U.S. Citizens or Non-Permanent Residents)

    Visit A BBA Branch
    Not an existing BB Americas Bank Client? Open Your Account
  • Platinum Plus Secured
    Platinum Plus Secured
    Travelling comfortably without worries and no foreign fee
    Key Benefits

    Priority Pass™ Membership
    Enjoy 4 Complimentary Airport Lounge Visits

    No foreign transaction fees
    When making purchases outside of the U.S.

    Earn 1 point per every
    $1 spent

    APR¹

    Intro Purchase APR
    0% APR for 12 months on purchases and balance transfers

    After the 12 first months, 16.24%

    Deposit Amount
    $20,000 to $100,000
    Annual Fee
    $200
    Available For

    Existing BB Americas Bank Clients (Non-U.S. Citizens or Non-Permanent Residents)

    Visit A BBA Branch
    Not an existing BB Americas Bank Client? Open Your Account

Explore BB Americas Bank Credit Cards Benefits

  • Classic Classic
  • Platinum Platinum
  • Platinum Plus Platinum Plus
  • Benefício

    Visa®
    BB Americas Bank Credit Cards are accepted worldwide – use it anywhere Visa® is accepted.

  • Benefício

    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.

  • Benefício

    Coverage
    Emergency Card Replacement*
    Emergency Cash Disbursement*

  • Benefício

    Add an authorized user to your account
    An authorized user receives a credit card issued on their name being able to make purchases but will still share the total credit line limit with the primary cardholder.

  • Benefício

    Set up monthly automatic payments
    Set up monthly payments through the Credit Card portal to avoid late fees. Learn How.

  • Benefício

    Visa®
    BB Americas Bank Credit Cards are accepted worldwide – use it anywhere Visa® is accepted.

  • Benefício

    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.

  • Benefício

    UChoose Rewards Program
    Earn 1 point per every $1 spent. Register once at www.uchooserewards.com to check and redeem your points for cash or choose from millions of rewards you truly want. The choice is yours.²

    Terms and Conditions

    Click here to check the statement credit gained with the Uchoose Rewards points.

  • Benefício

    Add an authorized user to your account
    An authorized user receives a credit card issued on their name being able to make purchases but will still share the total credit line limit with the primary cardholder.

  • Benefício

    Set up monthly automatic payments
    Set up monthly payments through the Credit Card portal to avoid late fees. Learn How.

  • Benefício

    Coverage
    Travel Accident Insurance*
    Trip Cancellation Insurance*
    Auto Rental Collision Damage Waiver*

    Emergency Card Replacement*
    Emergency Cash Disbursement*

  • Benefício

    Visa®
    BB Americas Bank Credit Cards are accepted worldwide – use it anywhere Visa® is accepted.

  • Benefício

    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.

  • Benefício

    UChoose Rewards Program
    Earn 1 point per every $1 spent. Register once at www.uchooserewards.com to check and redeem your points for cash or choose from millions of rewards you truly want. The choice is yours.²

    Terms and Conditions

    Click here to check the statement credit gained with the Uchoose Rewards points.

  • Benefício

    Add an authorized user to your account
    An authorized user receives a credit card issued on their name being able to make purchases but will still share the total credit line limit with the primary cardholder.

  • Benefício

    Set up monthly automatic payments
    Set up monthly payments through the Credit Card portal to avoid late fees. Learn How.

  • Benefício

    Coverage
    Travel Accident Insurance*
    Trip Cancellation Insurance*
    Auto Rental Collision Damage Waiver*

    Emergency Card Replacement*
    Emergency Cash Disbursement*

  • Benefício

    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 the 1,300+ VIP lounges in over 600 cities worldwide. BB Americas Bank will enroll you on the program. Use lounges in the program regardless of the class of travel or airline you’re flying.

    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:

FAQ

See more FAQs

¹After that, your APR will vary between 16.24% to 18.00% based on your creditworthiness when you open your Account.
²Up to 100,000 points per year. Points expire after 2 years. Rewards program is subject to the UChoose Rewards® Terms and Conditions. The only redemption available for non-U.S. Citizens or non-U.S. Permanent Residents cardholders is cash back in the form of a statement credit. UChoose Rewards is only available for Platinum and Platinum Plus Credit Cards.
*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

  • Balance Transfer

  • Cash Advance

  • Foreign Transaction

  • ISA Fee

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

  • Late Payment

  • Over the Credit Limit

  • Returned Payment

Up to US$39.


None


Up to US$39.
Other Fees

  • Rush Order Delivery

  • Document Fee

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

  • Balance Transfer

  • Cash Advance

  • Foreign Transaction

  • ISA Fee

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

  • Late Payment

  • Over the Credit Limit

  • Returned Payment

Up to US$39.


None


Up to US$39.
Other Fees

  • Rush Order Delivery

  • Document Fee

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

  • Balance Transfer

  • Cash Advance

  • Foreign Transaction

  • ISA Fee

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

  • Late Payment

  • Over the Credit Limit

  • Returned Payment

Up to US$39.


None


Up to US$39.
Other Fees

  • Rush Order Delivery

  • Document Fee

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.

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.

Pricing Disclosure W8

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

  • Balance Transfer

  • Cash Advance

  • Foreign Transaction

  • ISA Fee

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

  • Late Payment

  • Over the Credit Limit

  • Returned Payment

Up to US$39.


None


Up to US$39.
Other Fees

  • Rush Order Delivery

  • Document Fee

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.