BBVA Compass ClearPoints Credit Card

These terms and conditions are accurate as of September 29, 2011, but may have changed after that date. You can always find out the most current terms by contacting us at: Compass Bank, P.O. Box 2210, Decatur, AL 35699, or 1-800-239-5175.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0% introductory APR for 6 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% to 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 Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board's website at http://www.federalreserve.gov/creditcard
Fees

Transaction Fees
  • Cash Advance

  • Balance Transfer

  • Foreign Transaction
  • Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Either $10 or 4% of the amount of each transfer,
    whichever is greater
  • 3% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment
  • Returned Payment
  • Over-the-Credit Limit
  • Up to $35
  • Up to $25
  • 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.

The BBVA Compass ClearPoints Visa 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.