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BBVA Compass
ClearPoints Credit Card

Clear and Simple

  • 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 point for every $1 you spend. CompassPoints are redeemable for a variety of cash back options giving you easier and more flexible ways to redeem.
  • 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 Wallet1 - 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>


 

1 Alerts: 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.

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

These terms are accurate as of December 17, 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 "daily balance (including new transactions)."

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.

Keep in mind that if you take advantage of any promotional APR Balance Transfer/Convenience Check/Cash Advance offer 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 Balance Transfer/Convenience Check/Cash Advance offers, by the payment due date to avoid interest on Purchase transactions.

Other Fees: To the extent permitted by applicable law, the following fees apply: Returned Check Fee – Up to $27; Stop Payment Fee - $29; Expedited Delivery Fee - amount determined at time of request; Document Fees - $5 to $37 depending upon the item; Transfer Fee (for direct deposit of Cash Advance to your checking account) - $25; Expedited Payment Fee - $15; Skip Payment Fee (if offered by us, accepted by you and your Minimum Payment Due would have been $200 or more) - $35; Rate Reduction Fee (if offered by us and accepted by you) - $75.

All credit cards subject to approval, including credit approval. 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.” New York Residents: New York Residents may contact the New York State Department of Financial Services at 1-800-342-3736 or visit its website, www.dfs.ny.gov, for free information on comparative credit card rates, fees, and grace periods. 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 and 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.

*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.