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BBVA Compass

The Visa Business Rewards Credit Card delivers the financial flexibility, convenience and control you need and lets you earn valuable CompassPoints at the same time.
  • Overview
  • Benefits
  • APR Terms & Fees
  • Earn CompassPoints®
    Automatic enrollment in the CompassPoints rewards program. Earn 1 point for every $1 spent. Earn more at participating retailers.

  • Discounts for Business
  • Savings
    • 0% intro APR on Purchases for 6 months1
    • Save with Low Balance Transfer APRs – 0% to 3.99% based on your creditworthiness2
    • No Annual Fee
  • Better manage company spending by giving cards to key employees and setting individual limits
  • Enjoy free online account access so you can review purchases, track employee spending and check balances

Card and Cash Services

  • Lost or Stolen Card Reporting
  • Emergency Card Replacement
  • Emergency Cash Disbursement

Travel Assistance Service

  • Medical
    • Medical Referral and Assistance
    • Transportation Assistance
    • Emergency Prescription Assistance
  • Legal
    • Legal Referral and Assistance
  • Other
    • Emergency Ticket Replacement
    • Lost Luggage Assistance
    • Travel Accident Insurance coverage of $500,000
    • Business Document Delivery Assistance
    • Emergency Message Service
    • Emergency Translation Service
    • Pre-Trip Assistance
    • ATM Locator Service
    • Visa Reservation Service

Auto Rental Collision Damage Waiver

Purchase Insurance

  • Purchase Security
  • Extended Protection

Corporate Liability Waiver Program – download PDF brochure

See Guide to Benefits (PDF format).

These terms and conditions are accurate as of January 1, 2012, but may have changed after that date. You can always find out the most recent terms by contacting us at: BBVA Compass, P.O. Box 2210, Decatur, AL 35669, or call 1-800-316-0207.


How We Will Calculate Your Balance: We use a method called “average daily balance (including new Purchases).”

Additional Terms and Conditions

Each Annual Percentage Rate (APR) that may apply to your account is shown below:

APRs Generally:

  • Purchases and Balance Transfers: Wall Street Journal Prime + 4.99% to Wall Street Journal Prime + 19.99% based on your creditworthiness
  • Cash Advances: Wall Street Journal Prime + 14.99% to Prime + 23.99% based on your creditworthiness
  • Penalty APR: Wall Street Journal Prime + 23.99%
  • Other than special APRs, no APR will be less than 6.99% for Purchases and no APR for Cash Advances will be less than 21.99%

Introductory Rates:

  • Introductory Rate on Purchases: 0% APR through the end of your 6th billing cycle after the account is opened for all Purchases posted within the same period.
  • Introductory Rate on Balance Transfers: 0% or 3.99% APR through the end of the 12th billing cycle after the account is opened for all Balance Transfers requested within 90 days of account opening.

These terms are subject to change. These terms are accurate as of the date shown above, and are subject to change. BBVA Compass Visa Business Card accounts are governed by the Visa Business Card Master Agreement provided to the Business. Except as provided in any special offer, the account terms may change as provided in the Business Card Agreement. Write or call us for any changes to the above conditions at: Compass Bank, P.O. Box 2210, Decatur, AL 35609-9986, phone number 1-800-316-0207. This program is not available in Iowa, Maine, New York, or Wisconsin. California Residents: You understand and agree that interest is compounded under the terms of the Visa Business Card Master Agreement. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from month to month. Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Maryland Residents: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.

*Discounts are provided by Intuit and are based on Intuit's standard pricing. Purchases of QuickBooks must be made through bbvacompass.com/go/businessrewards to receive discounts advertised through BBVA Compass.

ยงVisa SavingsEdge is an automated discount program offered by Visa U.S.A. Inc.

10% intro APR will apply for 6 months on purchases. After that, a variable APR ranging from 8.24% to 23.24% will apply to purchases based on your creditworthiness. All credit cards subject to approval including credit approval. Promotional offers subject to change without notice.

2The introductory Balance Transfer APR of 0% to 3.99% will apply for one year on Balance Transfers requested within 90 days of account open date, based on creditworthiness. After that, a variable APR ranging from 8.24% to 23.24% will apply to balance transfers based on your creditworthiness. Cash Advance APR 21.99% variable. A fee of $10 or 4% of the transaction amount, whichever is greater, will apply to each balance transfer.

Links to third party sites are provided for your convenience. These sites are not within our control and may not have the same privacy, security or accessibility standards. Third parties are responsible for the content and availability of their sites.

Apply Now

By Phone 1-800-COMPASS
In Person Visit a branch

Online Account Management

For all BBVA Compass Visa Business Credit Cardholders ( Business Rewards, Business Classic and Business Rebate ).