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Our Credit Cards

Get what you need from a credit card. Whether you’re rebuilding your
credit or want to rack up rewards points, we’ve got the card you’ve been
looking for.


Call 1-800-COMPASS
  • Our Credit Cards
  • Why BBVA Compass?
  • Compare Credit Cards
  • CompassPoints®
Choose the right credit card for you.
 

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ClearPoints Credit Card

A simple, flexible credit card with easy-to-earn rewards.

Clearpoints - Gateway - Thumb

I want a simple, easy to understand credit card that earns points.

You get all this:

  • No annual fee1
  • Introductory rates as low as 0% APR for six months ( 9.74% to 23.74% 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
  • Special Offer: Get a $100 account credit when you make $1,500 in Qualifying Purchases in the first 90 days2
 

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Select Credit Card

A customizable rewards program is just the beginning.

select

I want a premium card built for my lifestyle.

This exclusive credit card lets you:

  • Have the $125 annual fee waived for the first year3
  • No Foreign Transaction Fee3
  • Choose how you earn up to 3x points in categories you select
  • Exclusive travel and entertainment benefits, 24/7 Complimentary Concierge4
  • Download the BBVA Wallet mobile application to manage your card
  • Special Offer: Get 20,000 bonus points (redeemable for $200) when you make $2,000 in Qualifying Purchases in the first 90 days.5
 

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Visa Signature Credit Card

More perks, savings and special opportunities for you.

signature

I want a card that provides exclusive benefits.

Your card comes with:

  • No annual fee1
  • Introductory rates as low as 0% APR for six months ( 9.74% to 23.74% variable APR after that)1
  • Choose how you earn up to 3x points in categories you select
  • Exclusive travel benefits, Visa VIP Entertainment, 24/7 Complimentary Concierge Service4
  • Download the BBVA Wallet mobile application to manage your card
  • Special Offer: Get a $100 account credit when you make $1,500 in Qualifying Purchases in the first 90 days.2
 

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Optimizer Credit Card

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

optimizer

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

This card offers:

  • Opportunity to improve your credit
  • Worldwide purchasing power
  • Competitive interest rates
  • Flexible credit line
  • Download the BBVA Wallet mobile application to manage your card
 

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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

But there are some things all our credit cards have in common.


  • 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 keep our rates as low as possible, and offer many special opportunities for you to save even more.
  • 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.

*Visa Zero Liability covers U.S.-issued cards only. Visa Zero Liability does not apply to certain commercial card transactions; PIN transactions not processed by Visa; or ATM transactions not processed by Visa or Plus. Cardholder must notify BBVA Compass promptly of any unauthorized use. Consult BBVA Compass for additional details or visa.com/security. See your Visa Cardholder Agreement for further details.

  BBVA Compass Clearpoints Credit Card
ClearPoints
Credit Card
Select Credit Card
SelectSM
Credit Card
Visa Signature Credit Card
Visa Signature®
Credit Card
Optimizer Credit Card
Optimizer
Credit Card
  Learn more Learn more Learn more Learn more
 
Apply in Person or Apply by Phone at 1-800-COMPASS
Best for customers looking for: Debt consolidation option with low rate interest payments, while earning rewards.1 Premium card customizable to their lifestyle. Competitive rates with lucrative rewards and added perks. A way to build or rebuild credit.
A smart, secure, way to make everyday purchases.
RATES
Intro APR On Purchases 0% Intro APR for 6 months. 9.74% to 23.74% variable APR based on creditworthiness after that.1 Not Applicable 0% Intro APR for 6 months. 9.74% to 23.74% variable APR based on creditworthiness after that.1 Not Applicable
Intro APR
On Balance Transfers
0% to 3.99% Intro APR for one year. 9.74% to 23.74% Variable APR, based on creditworthiness, after that.1 Not Applicable 0% to 3.99% Intro APR for one year. 9.74% to 23.74% Variable APR, based on creditworthiness, after that.1 Not Applicable
APR 9.74% to 23.74% 
Variable APR, based on creditworthiness.1
13.74% to 17.74% variable APR based on creditworthiness.3 9.74% to 23.74% 
Variable APR, based on creditworthiness.1
16.74% variable APR6
FEATURES
CompassPoints Rewards Build Your Own Rewards Customized BBVA Compass Build Your Own Rewards lets you pick 1 category at 3x the points and 2 categories at 2x the points with more flexible redemption options. (1,000 Bonus Points per Month with $5,000 spend.) Build Your Own Rewards Not Applicable
Other Benefits
  • Warranty Manager Service
  • Travel and Emergency Assistance Service
  • Travel Accident Insurance Coverage of $500,000
  • Auto Rental Collision Damage Waiver
  • Visa Signature benefits including Luxury Hotel Collection membership, 24/7 Concierge, Travel Accident Insurance, Lost Luggage Reimbursement, Purchase Security, Zero Liability and more4
  • Hertz Gold Plus Rewards Membership
  • Receive $100 account credit with $20,000 in Qualifying Purchases during the first year7
  • Visa Luxury Hotel Collection
  • 24/7 Concierge
  • Price Protection
  • Roadside Dispatch
  • Visa Signature Benefits4
  • VIP Entertainment
  • 24/7 Concierge
  • Lost Luggage Reimbursement
  • Travel Accident insurance
  • Warranty Manager Service
  • Travel and Emergency Assistance Service
  • Travel Accident Insurance Coverage of $500,000
  • Auto Rental Collision Damage Waiver
FEES
Annual Fees $01 Annual Fee is waived the first year, $125 each year thereafter.3
Annual fee is always waived for Premier Personal Banking.
$01 $406
SPECIAL OFFER
Get a $100 account credit after your first $1,500 in Qualifying Purchases.2 Get 20,000 bonus points (redeemable for $200) after your first $2,000 in Qualifying Purchases.5 Get a $100 account credit after your first $1,500 in Qualifying Purchases.2 Not Applicable

CompassPoints® Rewards

Earn points and enjoy rewards with CompassPoints.

You’re automatically enrolled in CompassPoints when you become a BBVA Compass ClearPoints or Visa Signature® cardholder. There are no fees for participation. Earn 1 point for every $1 in qualifying purchases. Considering our credit cards are accepted almost anywhere, those points add up quickly. Go to bbvacompasspointsrewards.com for more details.


BBVA Compass Build Your Own RewardsSM

BBVA Compass Build Your Own Rewards with CompassPoints® rewards you for the way you already spend your money. Select the categories where you spend the most and you’ll earn more by doubling and tripling your points. Plus you’ll earn 1 point per $1.00 spent for qualifying purchases in all other categories. Pay your bills using your credit card and watch the points add up even faster!


Our Build Your Own Rewards Program allows you the flexibility to plan ahead and customize your multipliers based on how you will spend your money. This allows you to maximize your point accumulation and earn rewards faster. CompassPoints are redeemable for account credits.

Actual points accrual and available rewards may vary. Points accrual is dependent upon your individual spending amounts.

When you're ready to redeem, you have two easy options:

  1. Redeem online by logging on to bbvacompasspointsrewards.com
  2. Call 1-87-REWARDS1 (1-877-392-7371)

To track and redeem your CompassPoints online simply go to bbvacompasspointsrewards.com. Registration is fast, easy and secure. Plus, you'll be able to take advantage of our online features, including reviewing your account details, browsing rewards options, redeeming your CompassPoints and tracking how many points you've earned and redeemed.

See important Terms & Conditions.