BBVA Compass Rewards Card

BBVA Compass  Rewards Credit Card

Overview

The credit card that makes life more rewarding

You could earn unlimited 2% rewards on all purchases with a monthly direct deposit to a BBVA Compass deposit account.1 

The card that's always maximizing your rewards! 

Earn hassle-free rewards across ALL purchase categories, every time and everywhere.

Take advantage of a great rewards card with no annual fee that gives you the freedom and flexibility to choose how and when to use your rewards:

  • Save your rewards for a big-ticket item or that much anticipated family vacation.
  • Sign in to Online Banking to track your points, review account details, or redeem rewards.  

Benefits

So many great reasons to choose this card

No annual fee

Enjoy the benefits of a credit card with a great rewards program and no annual fee.

$100 account credit3

You could earn a $100 account credit when you open a new BBVA Compass Rewards Card between 9/1/2018-12/31/2018, and make $1,500 in purchases in the first 90 days.2

Great introductory balance transfer rate

24/7 peace of mind card security features

  • Temporarily block and unblock your card anytime, anywhere with our Award-Winning Mobile Banking App
  • Receive transaction alerts through our Award-Winning Mobile Banking App so you always know when the card has been used
  • Plus, get the added security of Visa Zero Liability

 

Need help with your account?

We're here for you. Contact a customer service representative or visit your nearest BBVA Compass branch for help.

Call 1-800-239-5175

Rewards

Guaranteed unlimited rewards on every purchase

Relationship rewards

Earn unlimited 2% rewards on all purchases with $1,000 in monthly direct deposits to a BBVA Compass deposit account (Please note rewards decrease to 1.5% without the monthly direct deposit)1.

Freedom to earn

Get the freedom and flexibility to earn unlimited 2% rewards anywhere Visa is accepted, without being restricted to certain bonus categories.

APR, Terms, AND Fees

Take advantage of our introductory rates on balance transfers  

These terms are accurate as of September 28, 2018, 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." See the credit card agreement for more details.

Billing Rights: Information on your rights to dispute individual transactions and how to exercise those rights is provided in the account agreement.

Cancelling an Account: You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject this plan, you are not responsible for any fees or interest on those fees.

Annual Percentage Rates (APRs):

  • Purchases & Balance Transfers: Prime Rate + 7.99% to 25.99%, based on your creditworthiness
  • Cash Advances: Prime Rate + 18.99% to 25.99% based on your creditworthiness

Except for any discounted introductory APR, your APRs will vary with the market based on the Prime Rate. For each billing cycle, we use the Prime Rate from The Wall Street Journal two business days before the Statement Date for that billing cycle. Your APRs may increase if the Prime Rate increases. If your APRs increase, the amount of interest you will owe and the Minimum Payment Due may increase.

The introductory APR for Balance Transfers will apply through the end of the thirteenth billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. If you take advantage of any promotional offer for Balance Transfers, Convenience Checks, or Cash Advances, you may lose your grace period on new purchases because you must pay your monthly payment plus any balance(s) created by promotional 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  - $25; Stop Payment Fee - $29, ($0 in Missouri and Pennsylvania); Expedited Delivery Fee - amount determined at time of request; Document Fees - up to $37 depending upon the item, ($0 in Missouri and Pennsylvania);  Transfer Fee (for direct deposit of Cash Advance to your checking account) - $25; Expedited Payment Fee - $10; 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; Return Payment Fee - $0 in Maryland, $20 in all other states.

*Fees and Minimum Interest Charge are not applicable if you are a "covered borrower" under the Military Lending Act, as defined in 32 CFR Part 32.

BBVA Compass Credit Cards 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: Your credit report may be obtained. Upon your request, BBVA Compass will inform you whether a report was obtained and, if so, the name and address of the consumer reporting agency. Subsequent credit reports may be requested in connection with an update, renewal, or extension of the credit for which you are applying. 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 separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

All cards are subject to approval, including credit approval. Some terms and benefits are not available with all cards.

Contact Form

BBVA Compass Rewards Card Contact Form

Interested in hearing more? Let us contact you. Call back only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.


 
 
 
 
 
 
 
 
 
 
 
 
 
 

By clicking “Submit” you are authorizing BBVA Compass to contact you using the information you entered. All credit cards subject to approval, including credit approval.

Call Back Only Available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas. 

 
 

Details you need to make a smart decision

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

1BBVA Compass Rewards Program: BBVA Compass Rewards Cards automatically earn 1.5 Base Points per $1.00 of net purchases. In addition to Base Points, BBVA Compass Rewards Cardholders can earn Relationship Rewards Bonus Points at a rate of one half (0.5) point for each $1.00 of net purchases (for a total of 2 points per $1.00). To be eligible for Relationship Rewards Bonus Points, you must receive direct deposits (from third parties) totaling $1,000.00 or more in a calendar month to your BBVA Compass consumer checking, savings or money market account. Eligibility for Relationship Rewards Bonus Points is assessed monthly, and Relationship Rewards Bonus Points will be applied to purchases made the following month with your BBVA Compass Rewards Card. To qualify to earn points, a purchase must be made with your BBVA Compass Rewards Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN.

2Special 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 9/1/18 to 12/31/18 . $1,500 in 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. To qualify to get account credit, a purchase must be made with your BBVA Compass Rewards Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN.

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.

Balance Transfers: The relative benefits you receive from debt consolidation using a balance transfer could vary depending on your individual circumstances. If the balance transfer is not paid in full within the promotional period, you may realize limited savings on interest.

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