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BBVA Compass
ClearPoints Credit Card

Clear, Simple, No Surprises.

  • Overview
  • Benefits
  • APR, Terms & Fees
  • Customer Service

The BBVA Compass ClearPoints credit card* gives you access to one of the most flexible and easy-to-use rewards programs available.

Your BBVA Compass ClearPoints Credit Card benefits include:

  • Introductory purchase APRs

  • Introductory Balance Transfer APRs

  • No annual fee

  • CompassPoints® rewards program

Get the value you want and the rewards you deserve.

The BBVA Compass ClearPoints® card offers a competitive rate, easy-to-use rewards and more perks.

  • No annual fee – You pay no annual fee with the BBVA Compass ClearPoints credit card.
  • CompassPoints Rewards Program – Earn 1 CompassPoint for every $1 you spend on qualifying purchases. Then, redeem for accounts credits, retail gift cards, exciting travel options and name brand merchandise. Earn more points at participating retailers.
  • Combine Points – When you have multiple BBVA Compass cards, your points can be combined – so you're able to reach the rewards you want even faster.
  • Free Enrollment – As a cardholder, you are automatically enrolled as a BBVA Compass ClearPoints customer at no additional charge.
  • Multiple Payment Options – You can pay by mail, automatic debit, online banking or in a branch.
  • E-mail Alerts – Sign up for convenient alerts through email for payment notices, balances and more.
  • Download – BBVA Wallet and redeem your rewards in real-time at any merchant.

See Guide to Benefits (PDF format).

Visa Zero Liability**

This policy guarantees that, when you're a Visa cardholder, you will not be held responsible for fraudulent charges, period.  Learn more on the Visa website>


Take advantage of our introductory rates on purchases and balance transfers.  

These terms are accurate as of January 1, 2015, but may have changed after that date. You can always find out the current terms by contacting us at: BBVA Compass, P.O. Box 2210, Decatur, AL 35699, or 1-800-239-5175.

How We Will Calculate Your Balance We use a method called "average daily balance (including new Purchases)."

The 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. The 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.

Availability The BBVA Compass ClearPoints Credit Card may not be available to residents of all states.
California Residents: Married applicants may apply for separate accounts.
Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from month to month.
Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that the credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Maryland Residents: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.
**Visa Zero Liability covers U.S. – issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify BBVA Compass promptly of any unauthorized use. Consult BBVA Compass for additional details or visit See your Visa Cardholder Agreement for further details.

*All credit cards subject to approval, including credit approval. Please see complete terms and conditions.

If you take advantage of any promotional APR Balance Transfer/convenience Check/Cash Advance offers from BBVA Compass, you may lose your grace period on new Purchases. That is 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.