BBVA Compass Select℠ Credit Card

BBVA Compass Select℠ Credit Card

Overview

Premium credit card with custom rewards to fit your lifestyle

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:

  • BBVA Compass Build Your Own RewardsSM with CompassPoints®1 repays you for the way you spend your money
  • Over $1,000 in potential value during the first year your account is open
  • 20,000 bonus points with $2,000 in purchases in the first 90 days of account opening2
  • No $125 annual fee for the first year
  • No foreign transaction fee
  • Earn monthly CompassPoints bonuses3
  • Streamlined, expedited application process and no annual fee for Premier Personal Banking customers4
  • Exclusive travel benefits - including complimentary Hertz Gold Plus Rewards Membership

Benefits

The BBVA Compass Select Credit Card offers custom rewards with more benefits

You may earn more than $1,000 in value during the first year your account is open with the Select Credit Card rewards and benefits.

  • Customizable CompassPoints1 with BBVA Compass Build Your Own Rewards.SM
    • Choose one category (e.g. Airlines) to earn 3x the points.
    • Choose 2 categories (e.g. Dining & Hotels) to earn 2x the points.
    • Earn 1 point per $1.00 spent on all other qualified purchases. 
  • Plus, earn up to 1,000 additional bonus points each month you make $5,000 or more in Qualifying Purchases.
  • CompassPoints are valued at 1% of one dollar in Qualifying Purchases (20,000 points = $200.00), and there is no limit to how many points you can earn. 
  • Apply points with flexible credits to transactions eliminating them from your statement.
  • 1st Year Spend Bonus. — During your first year as a Visa Select cardholder, you have the opportunity to earn bonus points and account credit.
    • Bonus (1) Earn 1,000 CompassPoints for every month with $5,000 spend (available in subsequent months/years).3
    • Bonus (2) Earn a $100 Account Credit after making $20,000 in qualifying purchases with your credit card (only available during the first year)5
  • Complimentary Hertz Gold Plus Membership so you can skip the counter. Also, get exclusive discounts and free rental days.
  • Exclusive travel benefits including Visa Signature Luxury Hotel Collection membership and 24/7 Concierge Assistance6, as well as no foreign transaction fees.
  • Added security of Roadside Dispatch, Lost Luggage Reimbursement, Trip Cancellation/Interruption, Price Protection, Purchase Security, Travel Accident Insurance, and Visa Zero Liability7
  • Download BBVA Wallet and redeem your rewards in real-time at any merchant8.
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Manage your credit cards from the convenience of your mobile device and redeem your rewards in real-time at any merchant!

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APR, Terms, and Fees 

The BBVA Compass Select Credit Card offers low purchase and balance transfer APRs with no annual fee for the first year.

These terms and conditions are accurate as of July 21, 2017, 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.

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 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 - $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.

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. ‭Maryland Residents: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.

CompassPoints Rewards

BBVA Compass Build Your Own RewardsSM with CompassPoints®repays you for the way you spend your money. 

You will earn points faster where you spend the most by selecting categories that multiply your points up to 3X.

You could get more than $1,000 in value during the first year your account is open with the BBVA Compass Select Credit Card savings and rewards. The table below shows you how much you can earn in rewards and savings with your Select Credit Card the first year your account is open.

Select Card CompassPoints Value During 1st Year

Other Card Value During 1st Year

Details you need to make a smart decision

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

1 CompassPoints are earned on Qualifying Purchases made by the Select Credit Card and can be redeemed for account credit by visiting  www.bbvacompass.com/selectrewards 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  https://bbvacompass.com/credit-cards/rewards/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 7/1/17 to 9/30/17. $2,000 in net Qualifying Purchases must be made within 90 days of opening the Select Credit Card to earn the 20,000 bonus CompassPoints. Account must be open and in good standing at the time account credit is awarded to receive the account credit.

3BBVA Compass Select Credit Card customers can earn 1,000 additional CompassPoints every month that they make $5,000 or more in net Qualifying 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.

5ACCOUNT CREDIT OFFER FOR SELECT CREDIT CARDS: $20,000 in net Qualifying Purchases must be made within 12 months 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.

6Cardholders are responsible for the cost on any goods or services purchased by Visa Signature Concierge on the cardholders' behalf. 

7Visa 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.

8Alerts: 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.