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Optimizer Credit Card

Get the access, advantages and availability you need to open new doors.

  • Overview
  • Benefits
  • APR, Terms and Fees

The Optimizer Credit Card* is a secured credit card, which means your credit line is backed, or secured, by a collateral savings account. Designed for people who need to build or improve their credit history, this card gives you the financial flexibility and convenience you need.

  • Looks and works like a regular credit card

  • Credit line is secured by an interest-bearing collateral savings account

  • Credit line can be increased anytime with deposits to savings account

  • Acceptance at over 28 million locations worldwide that accept Visa®

Get the access, advantages and availability you need to open doors.

  • Competitive APR on purchases 16.24%. This APR will vary with the market based on the Prime Rate.
  • Easily increase your credit line – With the Optimizer Credit Card, you can increase your credit line anytime by simply depositing additional funds to savings account.
  • Secured credit – Your Optimizer Credit Card is secured by an interest-bearing collateral savings account. Earn interest on your savings while building your credit history.
  • Real credit – The Optimizer Credit Card looks and works like a regular credit card.
  • Multiple Payment Options – You can pay by mail, automatic debit, online banking or in a branch.
  • Acceptance virtually everywhere – The Optimizer Credit Card is accepted everywhere that Visa® is accepted.

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>

See Guide to Benefits (PDF format)


†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.

 

Open new doors with our secured credit card that works just like a regular credit card. 

These terms are accurate as of July 1, 2014, 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 1-800-239-5175.

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.

*All credit cards subject to approval, including credit approval. Please see complete terms and conditions