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BBVA Compass

Visa® Professional Rewards
Credit Card


Extra benefits for Professionals

The Professional Reward Credit Card has extra benefits for selected businesses.*
  • Overview
  • Rewards
  • Benefits
  • APR Terms & Fees
  • Online account services – Manage your account at your convenience, view up to 6 months of past account statements available to download, and more.
    • Manage employee business expenses with online tools that will help control, monitor and track card spending trends.
    • Integrate expense data and reports with accounting software packages.
    • Pay business credit card bills online
  • Separate business expenses – Keep your business expenses separate from personal expenses to make it easier to track spending – and prepare your taxes.
  • Employee cards – Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping.
  • Visa Liability Waiver Program* – Visa Liability Waiver protects you against eligible losses that might be incurred through card misuse by a terminated eligible cardholder up to $100,000. Download PDF brochure.
  • 24/7 Fraud Alerts – BBVA Compass monitors your account for unusual activity around the clock, and we’ll contact you to verify any transactions that seem out of line.
  • Experienced customer service representatives – Our representatives are specially trained to work with business owners and are available to help with any questions you may have. Just call them toll-free at 1-800-316.0207.
  • Online account services – Manage your account at your convenience,
    • View up to 6 months of past account statements available to download, and more.
    • Manage employee business expenses with online tools that will help control, monitor and track card spending trends.
    • Integrate expense data and reports with accounting software packages.
    • Pay business credit card bills online

*Discounts are provided by Intuit and are based on Intuit’s standard pricing. Purchases of QuickBooks must be made through http://quickbooks.intuit.com/qbaffiliate/compass/partner to receive discounts advertised through BBVA Compass.

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. 

*Visa Zero Liability covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.

CompassPoints® Rewards Program:

  • Earn 1 CompassPoint® for every $1 you spend on qualifying purchases
  • Redemption options – Redeem for cash back, account credits, gift cards, exciting travel options and name brand merchandise
  • Combine points – When you have multiple BBVA Compass cards, you can combine – so you’re able to reach the rewards you want faster.
  • Free Enrollment – As a cardholder you are automatically enrolled with no additional fee

Build Your Own Rewards with CompassPoints®:

  • Earn double and triple CompassPoints® in the categories you spend the most in. Choose from categories such as: utilities, groceries, travel and healthcare.

Bonus CompassPoints® for Professionals:

  • Earn 2 CompassPoints® for every $1 you spend on qualifying Gas, Office Supplies, Telephone and Insurance purchases

Visa® SavingsEdge§:

  • Shop with your enrolled Visa® business credit card at participating merchants and save up to 15%. Learn More >

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

No Annual Fee:

You pay no annual fee with the BBVA Compass Visa Business Rewards credit card

Visa® Business Benefits:

  • $0 Fraud Liability* – If your business credit card is ever lost or stolen, you will not be responsible for unauthorized charges.
  • Auto Rental Collision Damage Waiver Program – If you rent a car with your business credit card, you’ll be covered with collision, damage, and loss insurance.
  • Purchase Security and Extended Protection – Automatically protects the majority of purchases you make with your business credit card within 90 days of purchase in the event of loss, theft, damage, or fire.
  • Travel and Emergency Assistance – When you’re traveling for business, you can count on a wide range of Visa emergency services including ticket replacement, legal or medical referrals, and more—24 hours a day, 365 days a year.
  • Travel Accident Insurance – Coverage up to $500,000
  • See the Visa Guide to Benefit for more details.

QuickBooks Discounts:

Save up to 30% on a variety of products and services from QuickBooks

Multiple Payment Options:

You can pay online, by mail, in a branch or set up automatic payments from your BBVA Compass Business Checking account


*Visa Zero Liability covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.

These terms and conditions are accurate as of April 1, 2013, 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.