Carta YOU — Advanzia Bank vs BBVA — Carta di Credito
Carta YOU — Advanzia Bank starts ahead on fees: no annual fee versus €36 for BBVA — Carta di Credito. In short: Carta YOU — Advanzia Bank if your usage matches its strength, BBVA — Carta di Credito otherwise — the numbers above beat any slogan.
| Carta YOU — Advanzia Bank | BBVA — Carta di Credito | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.0 | ★ 3.7 |
| Network | Mastercard | Mastercard |
| Card type | Revolving credit | Revolving credit |
| Backing | Unsecured | Unsecured |
| APR | 24.15% (variable) | 6.21% |
| Issuing bank | Advanzia Bank S.A. (Lussemburgo) | BBVA S.A. |
| Issuance fee | Free | Free |
| Annual fee | Free | €36/year |
| Free ATM limit | ATM withdrawals (Italy and abroad) 4% of the amount, minimum €3 per transaction, with interest from the booking date (no grace period) | — |
| ATM withdrawal | 4% | 4% |
| FX markup | 0% | 0% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| Virtual card | Yes | — |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Banca lussemburghese specializzata in carte di credito · Mastercard Gold senza canone | Gruppo bancario spagnolo · carta di credito con FX 0% e rateizzazione a TAN 0% |
| Regulator | CSSF (Lussemburgo) · operatività in Italia | Banco de España / BCE · Banca d'Italia per la succursale |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Banca lussemburghese (vigilanza CSSF) · emissione carte di credito | Banca (Banco Bilbao Vizcaya Argentaria S.A., vigilata da Banco de España e BCE; opera in Italia tramite succursale) |
Frequently asked questions
Carta YOU — Advanzia Bank vs BBVA — Carta di Credito: which is better?
Carta YOU — Advanzia Bank starts ahead on fees: no annual fee versus €36 for BBVA — Carta di Credito. In short: Carta YOU — Advanzia Bank if your usage matches its strength, BBVA — Carta di Credito otherwise — the numbers above beat any slogan.
Is Carta YOU — Advanzia Bank custodial or self-custody?
Carta YOU — Advanzia Bank is self-custody: you keep the keys, while BBVA — Carta di Credito is self-custody.