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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.
 

BBVA Compass NBA American Express® Card

A card to show NBA team passion and earn high rewards with up to 5X points on select purchases.

BBVA Compass NBA AMEX card

I want a card with high point rewards, unique life experiences and one that will get me closer to the game.

Earn points on Qualifying Purchases1,2

  • 1 point for every $1 you spend on your Card1
  • 2x points at U.S. gas stations and U.S. supermarkets, for the first $1,500 in combined spend per quarter 1,2
  • 3x points on transactions for qualifying NBA tickets, NBA in-stadium transactions, and NBAStore.com transactions, for the first $1500 combined spend per quarter1,2
  • 5x points on all purchases, including non-NBA related items, during the NBA All-Star Weekend and two weeks of the NBA finals, for the first $5,000 per event1,2
 

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ClearPoints Credit Card

A simple, flexible credit card with no surprises and easy-to-earn rewards.

Clearpoints - Gateway - Thumb

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

You get all this:

 

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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:

  • Choose how you earn and multiply rewards
    up to 3X
  • No Foreign Transaction Fee
  • Monthly bonus point opportunities
  • Complimentary Hertz Gold Plus Rewards Membership
  • Visa Signature benefits including Luxury Hotel Collection, 24/7 concierge, and more
  • $125 annual fee waived for the first year
 

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Visa Signature Credit Card

More perks, savings, and special opportunities for you.

signature

I want a card that opens doors for me.

Your card comes with:

 

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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
  • Multiple payment options
  • Competitive interest rate
  • Flexible credit line
 

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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
NBA American Express
BBVA Compass
NBA American Express®
Card
  Learn more 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. 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.
A card to show NBA team passion, earn TripleDouble Rewards on select purchases.
RATES
Intro APR On Purchases 0% Intro APR for 6 months. 9.49% to 23.49% variable APR based on creditworthiness after that. Not Applicable 0% Intro APR for 6 months. 9.49% to 23.49% variable APR based on creditworthiness after that. Not Applicable 0% Intro APR for 6 months. 9.49% to 29.49% variable APR based on creditworthiness after that.
Intro APR
On Balance Transfers
0% to 3.99% Intro APR for one year. 9.49% to 23.49% Variable APR, based on creditworthiness, after that. Not Applicable 0% to 3.99% Intro APR for one year. 9.49% to 23.49% Variable APR, based on creditworthiness, after that. Not Applicable 0% to 3.99% Intro APR for twelve months. 9.49% to 29.49% Variable APR, based on creditworthiness, after that.
APR 9.49% to 23.49% 
Variable APR, based on creditworthiness.
13.49% to 17.49% variable APR based on creditworthiness. 9.49% to 23.49% 
Variable APR, based on creditworthiness.
16.49% variable APR 9.49% to 29.49%
Variable APR, based on creditworthiness.
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 Special Retailer Discounts TripleDouble Rewards
  • Earn points on Qualifying Purchases1,2
  • 1 point for every $1 you spend on your Card1
  • 2x points at U.S. gas stations and U.S. supermarkets, for the first $1,500 in combined spend per quarter1,2
  • 3x points on transactions for qualifying NBA tickets, NBA in-stadium transactions, and NBAStore.com transactions, for the first $1,500 in combined net purchases per quarter1,2
  • 5x points on all purchases, including non-NBA related items, during the NBA All-Star Weekend and two weeks of the NBA finals, for the first $5,000 per event1,2
No Preset Spending Limit
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 more
  • Hertz Gold Plus Rewards Membership
  • Receive $100 Orbitz travel card (After your first $20,000 in qualifying purchases)
  • Visa Luxury Hotel Collection
  • 24/7 Concierge
  • Price Protection
  • Roadside Dispatch
  • Visa Signature Benefits
  • 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
  • Car Rental Loss and Damage Insurance3
  • Emergency Assistance3
  • Travel Accident Insurance3
  • Identity Theft Insurance3
  • Retail Protection3
  • Extended Warranty3
FEES
Annual $0 Annual Fee is waived the first year, $125 each year thereafter.
Annual fee is always waived for Premier Personal Banking.
$0 $40 $0

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. Points can be redeemed for statement credit, travel, gift cards, jewelry, great merchandise and more!

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.