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Credit Cards

Choose the right credit card for you

ClearPoints Credit Card

ClearPoints Credit Card

A simple, flexible credit card with easy-to-earn rewards.
 
I want a simple, easy to understand credit card that earns points.
 
Benefits Include:
 
  • No annual fee1
  • Introductory rates as low as 0% APR for six months ( 11.99% to 25.99% variable APR after that)1
  • Choose how you earn up to 3x points in categories you select
  • Download the BBVA Wallet mobile application to manage your card
  • View our APR, Terms & Fees

Special Offer: Get $100 account credit when you make $1,500 in Qualifying Purchases in the first 90 days3


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 year4
  • No Foreign Transaction Fee4
  • Choose how you earn up to 3x points in categories you select
  • Exclusive travel and entertainment benefits, 24/7 Complimentary Concierge5
  • 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 Qualifying Purchases in the first 90 days.6


Visa Signature Card

Visa Signature Card

More perks, savings, and special opportunities for you.

I want a card that provides exclusive benefits.

Benefits Include:

  • No annual fee2
  • Introductory rates as low as 0% APR for six months (11.99% to 17.99% variable APR after that)2
  • Choose how you earn up to 3x points in categories you select
  • Exclusive travel benefits, Visa VIP Entertainment, 24/7 Complimentary Concierge Service5
  • Download the BBVA Wallet mobile application to manage your card
  • View our APR, Terms & Fees

Special Offer: Get a $100 account credit when you make $1,500 in Qualifying Purchases in the first 90 days.3


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

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 ClearPoints, Select, and Signature credit cards come with these benefits.

Flexible Rewards

Rack up points even faster with Build Your Own Rewards℠ with CompassPoints®. Select categories that matter to you and customize how you earn up to 3x Points.

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 to those that are 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

All our cards are backed by Visa Zero Liability* protection. See the Guide for more details.

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.

Details you need to make a smart decision

1 BBVA Compass ClearPoints Credit Cards:  All credit cards subject to approval, including credit approval.  The 0% 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.  After that, Purchase APR: 11.99% to 25.99% variable, based on creditworthiness.  0%-3.99% Introductory APR for Balance Transfers will apply through the end of the 12th billing cycle after the account is opened for all Balance Transfers requested within 30 days of account opening.  After that, Balance Transfer APR: 11.99% to 25.99% variable, based on creditworthiness.  Balance Transfer Fee:  $10 or 4% of the transaction amount, whichever is greater, for each balance transferred.  Cash Advance APR:  22.99% to 27.99% 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 Balance Transfer, Convenience Check, or Cash Advance offers from BBVA Compass, you may lose your grace period on new Purchases because you must pay your entire balance each month, including 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.

2 BBVA Compass Visa Signature Credit Cards:  All credit cards subject to approval, including credit approval.  The 0% 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.  After that, Purchase APR:  11.99% to 17.99% variable, based on creditworthiness.  0%-3.99% 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.  After that, Balance Transfer APR:  11.99% to 17.99%, variable based on creditworthiness.  Balance Transfer Fee:  $10 or 4% of the transaction amount, whichever is greater, for each balance transferred.  Cash Advance APR:  22.99%.  Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.  If you take advantage of any promotional Balance Transfer, Convenience Check, or Cash Advance offers from BBVA Compass, you may lose your grace period on new Purchases because you must pay your entire balance each month, including 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.

3Special Offer: All credit cards subject to approval including credit approval. $100 account credit offer not available to existing BBVA Compass credit cardholders. Offer applies to accounts open between 1/01/17 to 4/30/17 . $1,500 in Qualifying 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. A “Qualifying Purchase” is any purchase, Internet purchase, phone or mail order purchase, bill payment, contactless purchase (purchase made by holding you 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. Promotional offers subject to change without notice.

4BBVA Compass Select Credit Card: All credit cards subject to approval, including credit approval. Purchase APR and Balance Transfer APR: 13.99% to 17.99% variable, based on creditworthiness. Balance Transfer Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater. Cash Advance APR: 22.99% 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.

5Benefits for Visa Signature Credit Cards and Select Credit Cards: Visa Signature benefits including 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. All credit cards subject to approval including credit approval. 

6SELECT 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 1/01/17 to 4/30/17. $2,000 in net Qualifying 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. A "Qualifying Purchase” is any purchase, Internet purchase, phone or mail order purchase, bill payment, contactless purchase (purchase made by holding you 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. Promotional offers subject to change without notice.

7BBVA Compass Optimizer Credit Card: All credit cards subject to approval, including credit approval. Purchase and Balance Transfer APR 16.99% variable. Cash Advance APR: 25.99% 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

*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