The Select Credit Card is for you if you want to be in control of how you earn and multiply your rewards.
Your BBVA Compass Select Credit Card benefits include:
APR, Terms, and Fees
These terms and conditions are accurate as of December 20, 2018, but may have changed after that date. You can always find out the most current terms by contacting us at: BBVA Compass, P.O. Box 2210, Decatur, AL 35699 or, 1-866-681-0484.
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||15.49% to 19.49% APR, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
|APR for Balance Transfers||15.49% to 19.49% APR, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
|APR for Cash Advances||24.49% APR. This APR will vary with the market based on the Prime Rate.
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.|
|Minimum Interest Charge||If you are charged interest on purchases, the charge will be no less than $1.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore|
|Annual Fee||$0 for the first year your account is open, then $125 each year thereafter.|
How We Will Calculate Your Balance: We use a method called "daily balance."
Other Fees: To the extent permitted by applicable law, the following fees apply: Returned Convenience Check Fee – $25; Stop Payment Fee - $29; Expedited Delivery Fee - amount determined at time of request; Document Fees - up to $37 depending upon the item; 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.
*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.
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.
BBVA Compass REWARDS for Select Credit CArd
You will earn points faster where you spend the most by selecting categories5 that multiply your points up to 3X.
All credit cards subject to approval, including credit approval. Please see terms and conditions.
1Points are earned on Qualifying Purchases made by the Select Credit Card and can be redeemed for account credit by accessing the rewards website through online banking, or by calling the toll-free number provided. A "Qualifying Purchase" is any Qualifying Purchases, Internet purchase, phone or mail order purchase, bill payment, contactless purchase (purchase made by holding your BBVA Compass Visa Card or other device up to a secure reader instead of swiping your card), or small-dollar purchase for which you are not required to sign, made with your BBVA Compass Visa Card, that is processed or submitted through the Visa U.S.A., Inc. payment system. Please see www.bbvacompass.com/credit-cards/rewards/bbvacompass-select/compass-points-select-terms.html for Terms and Conditions.
2Select Credit Card Bonus Points Offer: 20,000 bonus points credit offer not available to existing BBVA Compass credit cardholders. Offer applies to Select Credit Card accounts opened between 9/1/18 to 3/31/19. $2,000 in net purchases must be made within 90 days of opening the Select Credit Card to earn the 20,000 bonus points. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to earn points, a purchase must be made with your BBVA Compass Select Credit 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.
3BBVA Compass Select Credit Card customers can earn 1,000 additional bonus points every month that they make $5,000 or more in net purchases. Account must be in good standing at the time the bonus points are awarded to receive the bonus points.
4Premier Personal Banking membership status is evaluated on an annual basis. As long as Premier Personal Banking status is maintained, there is no $125 annual fee for the Select Credit Card.
5Bonus points for purchases in bonus categories are awarded based on the merchant’s reporting of its merchant category code (MCC). BBVA Compass is not responsible for awarding points if a merchant reports its merchant category code in a category that falls outside of the bonus point category listing. Purchases made using third-party payment accounts, mobile or wireless card readers, virtual wallets, or similar technology may not qualify for a 2x or 3x purchase category if that technology is not set up to process the purchase in that category. Final determination of which purchases qualify for bonus points is at the sole discretion of BBVA Compass. Bonus point categories are subject to change. Categories automatically default to 3 points per $1 spent on purchases in the grocery category and 2 points per $1 spent in the gas and travel categories. Categories may be changed once every 90 days.
6ACCOUNT CREDIT OFFER FOR SELECT CREDIT CARDS: $20,000 in net Qualifying Purchases must be made within 365 days of account opening to be eligible for the $100 account credit. Account must be in good standing at the time the account credit is awarded to receive the account credit.
7Cardholders are responsible for the cost on any goods or services purchased by Visa Signature Concierge on the cardholders' behalf.
8Visa Signature benefits include Luxury Hotel Collection membership, 24/7 Concierge, roadside assistance, travel and emergency assistance services, warranty manager service, auto rental collision damage waiver, lost luggage reimbursement, purchase security, trip cancellation/trip interruption, price protection, and Zero Liability. Visa Zero Liability covers United States - issued cards only and does 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. See Agreement for further details.
9Alerts: 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.