- Overview
- Benefits
- APR, Terms & Fees
- Customer Service
The BBVA Compass ClearPoints credit card* gives you access to one of the most flexible and easy-to-use rewards programs available.
Your BBVA Compass ClearPoints Credit Card benefits include:
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Introductory purchase APRs
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Introductory Balance Transfer APRs
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No annual fee
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CompassPoints® rewards program
Get the value you want and the rewards you deserve.
The BBVA Compass ClearPoints® card offers a competitive rate, easy-to-use rewards and more perks.
- No annual fee – You pay no annual fee with the BBVA Compass ClearPoints credit card.
- CompassPoints Rewards Program – Earn 1 CompassPoint for every $1 you spend on qualifying purchases. Then, redeem for accounts credits, retail gift cards, exciting travel options and name brand merchandise. Earn more points at participating retailers.
- Combine Points – When you have multiple BBVA Compass cards, your points can be combined – so you're able to reach the rewards you want even faster.
- Free Enrollment – As a cardholder, you are automatically enrolled as a BBVA Compass ClearPoints customer at no additional charge.
- Multiple Payment Options – You can pay by mail, automatic debit, online banking or in a branch.
- E-mail Alerts – Sign up for convenient alerts through email for payment notices, balances and more.
See Guide to Benefits (PDF format).
Visa Zero Liability**
This policy guarantees that, when you're a Visa cardholder, you will not be held responsible for fraudulent charges, period. Learn more on the Visa website>
Take advantage of our introductory rates on purchases and balance transfers.
These terms are accurate as of April 1, 2013, but may have changed after that date. You can always find out the current terms by contacting us at: BBVA Compass, P.O. Box 2210, Decatur, AL 35699, or 1-866-681-0484.
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
0% introductory APR for six months.
After that, your APR will be 9.24% to 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers |
0% or 3.99% introductory APR for one year, based on your credit worthiness.
After that, your APR will be 9.24% to 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 22.24% to 27.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| 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 each month. |
| Minimum Interest Charge | If you are charged interest on purchases, the charge will be no less than $1. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Transaction Fees | |
| Cash Advance | Either $10 or 4% of the amount of each cash advance, whichever is greater |
| Balance Transfer | Either $10 or 4% of the amount of each transfer, whichever is greater |
| Foreign Transaction | 3% of each transaction in U.S. dollars |
| Penalty Fees | |
| Late Payment | Up to $35 |
| Returned Payment | Up to $25 |
| Over-the-Credit Limit | Up to $35 (but only if you have authorized transactions over your credit limit) |
How We Will Calculate Your Balance We use a method called "average daily balance (including new Purchases)."
The Introductory APR for Purchases will apply through the end of the 6th billing cycle after the account is opened for all Purchases posted to the account within the same period. The Introductory APR for Balance Transfers will apply through the end of the first year after the account is opened for all Balance Transfers requested within 30 days of account opening.
Availability The BBVA Compass ClearPoints Credit Card may not be available to residents of all states.
California Residents: Married applicants may apply for separate accounts.
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: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that the 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.
**Visa Zero Liability covers U.S. – issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify BBVA Compass promptly of any unauthorized use. Consult BBVA Compass for additional details or visit visa.com/security. See your Visa Cardholder Agreement for further details.
- Sign-in to your Online Account >
- Via phone 1-800-239-5175
*All credit cards subject to approval, including credit approval. Please see complete terms and conditions
