Credit Cards

Choose the right credit card for you

BBVA Compass Rewards Card

BBVA Compass Rewards Card

A credit card that’s always maximizing your rewards!

I want a card that earns unlimited hassle-free rewards across ALL purchase categories—every time, everywhere.

Benefits include:

  • No annual fee1
  • Introductory rates as low as 0% APR for thirteen months (12.74% to 30.74% variable APR after that)1
  • Earn unlimited 2% rewards on all purchases with 1,000 in monthly direct deposits to a BBVA Compass deposit account (Please note rewards decrease to 1.5% without the monthly direct deposit)2
  • Redeem rewards in real-time with BBVA Wallet at any merchant up to the amount of purchase3
  • View our APR, Terms & Fees

Special Offer: Get a $100 account credit with $1,500 in purchases made in the first 90 days4

Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico


ClearPoints Credit Card

ClearPoints Credit Card

A flexible credit card that lets me choose where to earn rewards.
 
I want a card that lets me earn maximum points in the categories I select.
 
Benefits Include:
 
  • No annual fee5
  • Introductory rates as low as 0% APR for thirteen months (12.74% to 30.74% variable APR after that)5
  • Choose how you earn up to 2x & 3x points in categories you select each quarter6
  • Redeem rewards in real-time with BBVA Wallet at any merchant up to the amount of purchase3
  • View our APR, Terms & Fees

Special Offer: Get $100 account credit when you make $1,500 in purchases in the first 90 days7

Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico


Select Credit Card

Select℠ Credit Card

A customizable rewards program is just the beginning.

I want a premium card built for my lifestyle.

Benefits Include:

  • Have the $125 annual fee waived for the first year8
  • No Foreign Transaction Fee8
  • Choose how you earn up to 3x points in categories you select6
  • Exclusive Visa Signature travel and entertainment benefits, 24/7 Complimentary Concierge9
  • Download the BBVA Wallet mobile application to manage your card
  • View our APR, Terms & Fees

Special Offer: Get 20,000 bonus points (redeemable for $200) when you make $2,000 in purchases in the first 90 days.10

Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico


Optimizer Credit Card

Optimizer Credit Card

Secured by savings, but works just like a regular credit card.

I want the convenience of a credit card while I'm building or repairing my credit.

Benefits Include:

  • Opportunity to improve your credit
  • Worldwide purchasing power
  • Competitive interest rates
  • Flexible credit line
  • Download the BBVA Wallet mobile application to manage your card
  • View our APR, Terms & Fees

Only Available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico

why bbva compass?

We give you the credit you need, and deserve

Everyone uses credit cards differently. At BBVA Compass, we give you choices and options, so you can find the best card for you.

Our Rewards, ClearPoints, and Select credit cards come with these benefits.

Flexible Rewards

You can earn unlimited 2% rewards on all purchases with a monthly direct deposit to a BBVA Compass deposit account, when you have a BBVA Compass Rewards Card.You can earn unlimited 2% and 3% rewards in select categories you choose (and 1% rewards on all other purchase categories) with our BBVA Compass Build Your Own Rewards® feature available with our ClearPoints and Select credit cards6.

Competitive Rates

Keeping credit affordable is important to us. So we offer a variety of financial solutions to meet your needs. We have solutions for those looking to build their credit or seeking rewards for purchases. Ask us about the best card for you.

Additional Visa Benefits

Accepted at nearly 30 million spots around the globe, Visa gives you unsurpassed access, purchasing power, and flexibility.

Peace of Mind

Get security features including the ability to temporarily block and unblock your card anytime, anywhere and receive transaction alerts whenever your card is used with the BBVA Wallet app. Plus, get the added security of Visa Zero Liability protection.*

Easy Ways to Pay

Everyone pays differently. With our cards, you can enjoy the ease of having your monthly payment auto debited from your BBVA Compass checking account. You can also pay online, by mail, or in person.

Looking for a prepaid card?

Say hello to the BBVA Compass ClearSpend Prepaid Visa® Card. Easily control spending with an app that will suggest a budget for you, with alerts to help keep you on track. 

Learn More

Details you need to make a smart decision

All credit cards subject to approval including credit approval. 

1BBVA Compass Rewards Card: Intro Purchase APR: 0.00% through the end of the 13th billing cycle after the account is opened for all Purchases posted to the account within the same period. Intro Balance Transfer APR: 0.00% through the end of the 13th billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. After those introductory time periods, Purchase APR and Balance Transfer APR: 12.74% to 30.74% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the transaction amount, whichever is greater. Cash Advance APR: 23.74% to 30.74% variable, based on creditworthiness. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. If you take advantage of any promotional offer for Balance Transfers, Convenience Checks, or Cash Advances, you may lose your grace period on new purchases because you must pay your monthly payment plus any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. Foreign Transaction Fee: 3% of each transaction in US dollars. Minimum Interest Charge: $1.

2BBVA Compass Rewards Program:  BBVA Compass Rewards Cards automatically earn 1.5 Base Points per $1.00 of net purchases.  In addition to Base Points, BBVA Compass Rewards Cardholders can earn Relationship Rewards Points at a rate of one half (0.5) point for each $1.00 of net purchases (for a total of 2 points per $1.00).  To be eligible for Relationship Rewards Points, you must receive direct deposits (from third parties) totaling $1,000.00 or more in a calendar month to your BBVA Compass consumer checking, savings or money market account.  Eligibility for Relationship Rewards Points is assessed monthly, and Relationship Rewards Points will be applied to purchases made the following month with your BBVA Compass Rewards Card.  To qualify to earn points, a purchase must be made with your BBVA Compass Rewards 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.

3Redemptions through a BBVA Wallet transaction alert can only be conducted within 24 hours of receiving a transaction alert. Alerts for card transactions and reward redemption are subject to service availability to your mobile device and cannot be guaranteed by BBVA Compass. Alerts are subject to merchant billing practices and may not be received until your card is charged for the purchase price. 100 points is the minimum amount that can be redeemed in Wallet.

4Special Offer for BBVA Compass Rewards Card: $100 account credit offer not available to existing BBVA Compass credit cardholders. Offer applies to accounts open between 3/1/18 to 5/31/18 . $1,500 in purchases must be made within 90 days of account opening to be eligible for the $100 account credit. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to get account credit, a purchase must be made with your BBVA Compass Rewards 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.

5BBVA Compass ClearPoints Credit Cards:  The 0% Introductory APR for Purchases will apply through the end of the thirteenth billing cycle after the account is opened for all Purchases posted to the account within the same period.  After that, Purchase APR: 12.74% to 30.74% variable, based on creditworthiness.  0% Introductory APR for Balance Transfers will apply through the end of the thirteenth billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening.  After that, Balance Transfer APR: 12.74% to 30.74% variable, based on creditworthiness.  Balance Transfer Fee:  $10 or 4% of the transaction amount, whichever is greater, for each balance transferred.  Cash Advance APR:  23.74% to 30.74% variable based on creditworthiness.  Cash Advance Fee:  Either $10 or 4% of the amount of each cash advance, whichever is greater. If you take advantage of any promotional offer for Balance Transfers, Convenience Checks, or Cash Advances, you may lose your grace period on new purchases because you must pay your monthly payment plus any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. Foreign Transaction Fee: 3% of each transaction in US dollars.  Minimum Interest Charge: $1.  Please see credit card terms and conditions.

6Bonus points are awarded for purchases in bonus point categories 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 merchant category code in a category that falls outside of the bonus point category listing. Final determination of which purchases qualify for bonus points is at the sole discretion of BBVA Compass. Bonus point categories are subject to change. For the ClearPoints Credit card, categories must be selected each quarter, otherwise all transactions will default to 1 point per $1 spent on qualifying purchases. Select Credit Cardholders are enrolled in default categories at account opening and can change their category selections once every 90 days.

7Special Offer for BBVA Compass ClearPoints Credit Cards: $100 account credit offer not available to existing BBVA Compass credit cardholders. Offer applies to accounts open between 01/01/18 to 3/31/18. $1,500 in purchases must be made within 90 days of account opening to be eligible for the $100 account credit. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to get account credit, a purchase must be made with your BBVA Compass ClearPoints Credit 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. 

8BBVA Compass Select Credit Card: Purchase APR and Balance Transfer APR: 14.74% to 18.74% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater. Cash Advance APR: 23.74% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. Minimum Interest Charge for Purchase balance: $1. Annual Fee $125, waived for the first year the account is open. However, the Annual Fee is always waived for Premier Personal Banking clients.

9Benefits for Select Credit Cards: Visa Signature benefits include Luxury Hotel Collection membership, 24/7 Concierge, roadside assistance, travel and emergency assistance services, warranty manager service, auto rental collision damage waiver, lost luggage reimbursement, purchase security, trip cancellation/trip interruption, price protection, and Zero Liability. 

10Select Credit Card Bonus Points Offer: 20,000 bonus points credit offer not available to existing BBVA Compass credit cardholders. Offer applies to Select Credit Card accounts opened between 3/1/18 to 5/31/18. $2,000 in net purchases must be made within 90 days of opening the Select Credit Card to earn the 20,000 bonus CompassPoints. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to earn points, a purchase must be made with your BBVA Compass Select Credit 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.

11BBVA Compass Optimizer Credit Card: Purchase and Balance Transfer APR 17.74% variable. Cash Advance APR: 26.74% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, which is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Annual Fee: $40. Minimum Interest Charge: $1

Alerts may be delayed or may not always be available. Thus, your balance may not reflect all transactions.

*Visa’s Zero Liability Policy does not apply to Visa corporate or Visa purchasing card or account ‭transactions, or any transactions that are not processed by Visa. Cardholder must notify BBVA Compass promptly of any unauthorized use as described in the cardholder agreement. Consult:  https://www.visa.com/chip/personal/security/zero-liability.jsp  or BBVA Compass for additional details.

BBVA Credit Cards may not be available to residents in all states. For complete terms and conditions regarding CompassPoints, including qualifying purchases, please visit  https://www.bbvacompass.com/compasspoints/terms.html