CompassPoints® Rewards Program for Business


More transactions, more points

As a Visa® Business Rewards or Secured Visa® Business, you’re automatically enrolled, at no extra fee, in our CompassPoints® Rewards program.

Earn one (1) point for every $1 spent on purchases.1 Plus, on your Visa Business Rewards Credit Card, earn 2x and 3x points in categories you select with BBVA Compass Build Your Own Rewards®.2  On top of all of that, earn one additional point for every $1 you spend on qualifying gas, office supply, telephone, and insurance purchases with Bonus CompassPoints®  on your Visa Business Rewards Credit Card. Then, redeem points for a variety of account credits! 

Rewards Program

BBVA Compass Build Your Own Rewards®

Earn rewards for the purchases you already make with BBVA Compass Build Your Own Rewards® with CompassPoints®. Select the categories where you spend the most and earn more by doubling and tripling your points.2

Here’s how it works:

  • Select one (1) category to earn 2x points on purchases2
  • Select one (1) category to earn 3x points on purchases2

Category selections must be made each quarter; otherwise, transactions will default to 1 point per $1 spent. Select your favorite categories now at

Office supplies, restaurants, and travel puchases receive triple points. Gas, home improvement and utilities purchases receive double points. Below: Figure of example transactions and points awarded.


This chart is an example of BBVA Compass Build Your Own Rewards® categories. These are subject to change at any time, at the discretion of BBVA Compass.

Get Started

How to Register Your Online Account

Registering your CompassPoints® online account is fast, easy, and secure. Simply go to

With this easy-to-use online rewards portal, you can track how many points you’ve earned, select your quarterly bonus point categories, and easily redeem points for account credit.

How to Redeem Your Rewards

Ready to redeem your rewards? Here are two easy options:

  1. Redeem via the rewards website, which can be accessed directly at
  2. Call 1-87-REWARDS1 (1-877-392-7371).
You Could Get 20,000 bonus CompassPoints®

Open a Visa® Business Rewards credit card by 9/30/18 for a special offer.

Learn More

Details you need to make a smart decision

1CompassPoints only accumulate on purchases. To qualify to earn points, a purchase must be made with your BBVA Compass Visa Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN.  It may take up to 45 days for bonus points to be awarded. Account must be in good standing to earn and redeem points.

2Bonus points for purchases in bonus categories are awarded based on the merchant’s reporting of its merchant category code (MCC). BBVA Compass is not responsible for awarding points if a merchant reports its MCC in a category that falls outside of the bonus point category listing. Purchases made using third-party payment accounts, mobile or wireless card readers, virtual wallets, or similar technology may not qualify for a 2x or 3x purchase category if that technology is not set up to process the purchase in that category. Final determination of which purchases qualify for bonus points is at the sole discretion of BBVA Compass.  

See important Terms & Conditions.