Optimizer Credit Card

4
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Optimizer Credit Card

0.00
5.8

Annual Fee

7.2/10

Promotions

4.0/10

Services

5.3/10

Travel

4.8/10

Insurance

5.0/10

Rewards

2.8/10

Security

8.9/10

APR (Interest Rate)

6.2/10

Customer Support

8.3/10

Pros

  • It is good for rebuilding credit, credit history. It is also good for bad credit.
  • $40 annual fee is reasonable for a secured card.
  • The APR of the card is reasonable except Cash Advance APR.
  • One of the best credit cards for bad credit in United States.

Cons

  • Cash advance APR is a little bit high.
  • No rewards points with this card.
  • Not much travelling and insurance option with the card.
  • There are not much unique services and promotions with this card.
  • Unfortunately only available for a few states of United States. Please click on Apply button above below to get more information.

Review

Optimizer Credit Card is a credit product of BBVA Compass. This card is for credit rebuild and improve the credit history. It is also good for bad credits and building credit.

Optimizer Credit Card has 20.24% APR for balance transfer and purchases. Cash Advance APR is 29.24%. The annual fee for the card is $40. Cash Advance and Balance Transfer fees are reasonable. It is 4% at the moment. The late payment is $27 maximum and foreign transaction fee is 3%

Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 20.24% None $40 %3 $37 $10 or 4% 29.24% $10 – 4% Regular: 20.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 139 200 100
Credit Builder 110 127 10
For Bad Credits 153 165 10
No Credit History 160 168 10

You can also see optimizer card reviews by users below.

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4 COMMENTS

  1. Annual Fee

    9.20

    Promotions

    5.70

    Services

    5.40

    Travel

    4.50

    Insurance

    5.70

    Rewards

    3.50

    Security

    9.90

    APR (Interest Rate)

    7.90

    Customer Support

    9.90

    I got this card when I had bad credit history, I managed to rebuild my credit history really fast. Thanks BBVA.

  2. Annual Fee

    3.90

    Promotions

    4.50

    Services

    3.90

    Travel

    3.80

    Insurance

    3.80

    Rewards

    2.20

    Security

    5.80

    APR (Interest Rate)

    1.70

    Customer Support

    6.60

    It seems it is already below average on editor scores. I agree this.There are much better credit builders with low APR. This card’s Cash Advance APR is too much.

  3. Annual Fee

    8.70

    Promotions

    6.30

    Services

    5.40

    Travel

    6.20

    Insurance

    5.80

    Rewards

    3.10

    Security

    6.70

    APR (Interest Rate)

    6.40

    Customer Support

    9.00

    It is not bad. My first card and helped me to build credits. Good work of BBVA

  4. Annual Fee

    7.50

    Promotions

    7.30

    Services

    7.80

    Travel

    7.60

    Insurance

    8.40

    Rewards

    7.40

    Security

    8.50

    APR (Interest Rate)

    7.60

    Customer Support

    7.00

    This is a good card, glad to have it.

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