Visa® Business Rewards Credit Card

Visa® Business Rewards Credit Card


Low interest, big rewards, no annual fee  

With Visa® Business Rewards, your business can earn cash back on everyday purchases—plus, benefit from the flexibility and easy account management of a credit card with no annual fee.  


No annual fee

You pay no annual fee with BBVA Compass Visa® Business Rewards—just one of the perks you'll enjoy with this credit card.

Separate business expenses

Keep your business expenses separate from personal expenses to make it easier to track spending and prepare your taxes.

Free 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.

Online account services

Manage your account at your convenience, with online services that allow you to track employee expenses, pay bills online, view and download up to 24 months of past account statements, and integrate expenses data and reports with accounting software packages.

Learn more about CentreSuite


Earn points for your purchases

CompassPoints® Rewards Program

  • Earn 1 point for every $1 in Qualifying Purchases. 
  • When you have multiple BBVA Compass cards, you can combine points and reach the rewards you want faster.
  • As a cardholder, you are automatically enrolled to earn rewards for no additional fee.

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Build Your Own Rewards with CompassPoints®

  • Earn double and triple CompassPoints® when you make purchases in the categories you select. Choose from categories including office supplies, utilities, groceries, gas, travel, and healthcare.

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Visa® SavingsEdge§

  • Shop with your enrolled Visa® Business credit card at participating merchants and save up to 15%.

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 Other Perks

Visa® Business benefits

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.

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

Get coverage up to $500,000 for travel accidents when transport (Common Carrier) is purchased with your business credit card.

 APR, Terms, and Fees

Interest rates and charges

These terms and conditions are accurate as of December 15, 2017, 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).”

Terms and conditions

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


  • Purchases and Balance Transfers: Wall Street Journal Prime + 5.99% to Wall Street Journal Prime + 19.99% based on your creditworthiness.
  • Cash Advances: Wall Street Journal Prime + 18.99% 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 9th 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.

BBVA Compass Visa Business Rewards Credit Card accounts are governed by the Visa Business Card Master Agreement & Security Agreement provided to the Business (“Agreement”). Except as provided in any special offer, the account terms may change as provided in the Agreement. 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 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.

With Visa® Business Rewards Card Card, you’ll enjoy:

Details you need to make a smart decision

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.

All credit cards subject to approval, including credit approval.

CompassPoints only accumulate on Qualifying Purchases. A "Qualifying Purchase" is any purchase, Internet purchase, phone or mail order purchase, bill payment, contactless purchase (purchase made by holding your BBVA compass Visa Card or another device up to a secure reader instead of swiping your card), or small-dollar purchase for which you are not required to sign, made with your BBVA Compass Visa Card, that is processed or submitted through the Visa U.S.A. Inc. payment system. EXCLUSIONS APPLY. Merchants are assigned category codes based on what they primarily sell. A purchase will not earn 2x or 3x points if the merchant’s code is not in an eligible category. BBVA Compass reserves the right to, in its sole discretion, determine whether a particular transaction is a Qualifying Purchase and which purchase category applies. Unless a special promotion states otherwise, any cash advances, balance transfers, or convenience check transactions, fees charged by us (for example, annual fees, finance charges, and related service charges, if any apply), payments made for prepaid and reloadable cards such as certain gift cards, and similar cards, payments made for payment instruments that can readily be converted to cash (for example, travelers cheques, money orders, wire transfers, and similar products or services), are NOT Qualifying Purchases. It may take up to 45 days for bonus points to be awarded. Account must be in good standing to earn and redeem points.

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