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Optimizer Credit Card

Get the access, advantages and availability you need to open new doors.

  • Overview
  • Benefits, Rewards, and Perks
  • APR, Terms and Fees

The Optimizer Credit Card* is a secured credit card, which means your credit line is backed, or secured, by a collateral savings account. Designed for people who need to build or improve their credit history, this card gives you the financial flexibility and convenience you need.

  • Looks and works like a regular credit card

  • Credit line is secured by an interest-bearing collateral savings account

  • Credit line can be increased anytime with deposits to savings account

  • Acceptance at over 28 million locations worldwide that accept Visa®

Get the access, advantages and availability you need to open doors.

  • Competitive APR on purchases 16.49%. This APR will vary with the market based on the Prime Rate.
  • Easily increase your credit line – With the Optimizer Credit Card, you can increase your credit line anytime by simply depositing additional funds to savings account.
  • Secured credit – Your Optimizer Credit Card is secured by an interest-bearing collateral savings account. Earn interest on your savings while building your credit history.
  • Real credit – The Optimizer Credit Card looks and works like a regular credit card.
  • Multiple Payment Options – You can pay by mail, automatic debit, online banking or in a branch.
  • Acceptance virtually everywhere – The Optimizer Credit Card is accepted everywhere that Visa® is accepted.

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>

See Guide to Benefits (PDF format)

†Visa Zero Liability covers U.S.-issued cards only. Visa Zero Liability does not apply to certain commercial card transactions; PIN transactions not processed by Visa; or ATM transactions not processed by Visa or Plus. Cardholder must notify BBVA Compass promptly of any unauthorized use. Consult BBVA Compass for additional details or See your Visa Cardholder Agreement for further details.


Open new doors with our secured credit card that works just like a regular credit card. 

These terms and conditions are accurate as of December 15, 2016 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."

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. 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,, 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.

Get Started

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Via phone 1-800-239-5175