CompassPoints® Rewards for SelectSM Credit Card

Terms and Conditions

The CompassPoints Rewards Program is a promotional rewards program ("Program") offered by Compass Bank (“BBVA Compass”, the “Bank”, “we”, “us” or “our”). In this Program, “you” or “your” means everyone that may be a BBVA Compass SelectSM Credit Card (“Card”) account holder (joint or otherwise). This is a separate and independent agreement from the BBVA Compass Credit Card & Security Agreement; however, it is subject to the Governing Law provision and Dispute Resolution section of the BBVA Compass Credit Card & Security Agreement, which are incorporated herein by reference and also apply to any vendor or service provider we choose to assist in the operation of the Program.  We reserve the right to disqualify any individual who violates these terms and conditions or violates any Program rules, terms, or conditions posted on or otherwise disclosed to you by BBVA Compass (collectively “Terms and Conditions”). By using your Card, you agree to be bound by the Terms and Conditions of the Program.  These Terms and Conditions may change from time to time.


Eligible Cards are automatically enrolled in the Program at account opening to begin earning points.

Earning Points

You earn points based on the value of the Qualifying Purchases that post to your account, less any purchase credits, returns, unauthorized charges, fraudulent charges, or other adjustments that are not payments.  Points are not your property and have no cash or monetary value.  

Except as provided below or pursuant to the terms of any specific offer, a “Qualifying Purchase” is any purchase made with your Card that is processed or submitted through the Visa U.S.A. Inc. payment system. Unless otherwise provided in additional terms for special promotions, the following are not Qualifying Purchases for purposes of the Program:

  • Payments of existing loan or credit card balances
  • Balance transfers
  • Cash advances
  • ATM transactions
  • Illegal transactions
  • Checks that access your credit card account (e.g., convenience checks)
  • Fees or interest charged by us (for example, annual fees, finance charges, and related service charges, if any apply)
  • Purchases of gift cards, prepaid cards or reloadable cards
  • Purchases of quasi-cash items (for example, casino chips), 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)
  • Adjustments made to your account
  • Card transactions in which you use a PIN number rather than sign a receipt

We reserve the right to determine, in our sole discretion, whether a particular transaction is a Qualifying Purchase.  Transactions that are not Qualifying Purchases do not earn any points.  Unless otherwise stated in a promotional offer, a Qualifying Purchase is deemed to occur on the date of the transaction.  Purchase credits, returns, or other adjustments that reduce the point balance are deemed to occur on the date the credit or adjustment is posted to your Card account. In some cases, you may have a negative point balance.

With respect to Build Your Own Rewards Bonus Points (described below), an otherwise Qualifying Purchase may not be eligible for Build Your Own Rewards Bonus Points if the Qualifying Purchase is submitted by you or the merchant through third-party payment accounts (e.g. PayPal), mobile or wireless card readers, online or mobile digital wallets, or similar technology (collectively, “Technology”).  If the Technology is not set up to process such a Qualifying Purchase in the appropriate rewards purchase category, that Qualifying Purchase may not earn Build Your Own Rewards Bonus Points.  

Base Points

Base Points accrue at a rate of one (1) point for each $1.00 (U.S.) of net Qualifying Purchases made with your eligible Card. There is no limit on the number of total Base Points you may earn in the Program, although limits may apply to any points you can earn in addition to Base Points. 

Build Your Own Rewards Bonus Points

Using the Build Your Own Rewards (“BYOR”) feature, you may select Bonus Point purchase categories once every 90 days in order to earn Bonus Points for net Qualifying Purchases made at merchants included in those categories during that 90-day time period. The list of eligible Bonus Point purchase categories is predetermined by us, and may change from time to time. You may select two purchase categories from a list of categories to earn one bonus point per $1.00 (in addition to the Base Point, for a total of 2 points per $1.00) of net Qualifying Purchases at merchants in those categories. You may also select an additional purchase category from the same list to earn two bonus points per $1.00 (in addition to the Base Point, for a total of 3 points per $1.00) of net Qualifying Purchases at merchants in that category.

Purchase categories may be selected by accessing the rewards website directly at, or through Online Banking at If you do not have access to the rewards site you may call 877­-676-5172 for assistance with making your selections. At account enrollment, all Select Credit Card customers are enrolled in default Bonus Point purchase categories. You may change these default categories at any time after enrollment, and then every 90 days after your first selection date. Once your selections are made, they cannot be changed for 90 days.  If you do not change your selections, the categories you previously selected (or, if you do not select any categories, the default categories) will remain in place until you initiate a change or the available categories change. 

Points will be awarded based on the merchant category codes (“MCCs”) identified by the Bank to participate in each BYOR purchase category. Even though a merchant or some of the items that it sells may appear to fit within a purchase category, the merchant may not process transactions under that MCC. When that happens, the purchase will not qualify for BYOR Bonus Points in that category.  For instance, a large retailer may report one of its stores in the grocery MCC (5411), but another one of its stores in the wholesale clubs MCC (5300), even if that store sells food products.  The grocery store MCC (5411) is included in the grocery purchase category, while wholesale clubs (5300) is not included. Categories that are selected to participate in the BYOR program, along with their associated earning multiplier, are chosen at the discretion of the Bank and may change from time to time. There are currently no caps on the amount of BYOR Bonus Points you can earn.

Promotional Offers

In addition to Base Points and BYOR Bonus Points, eligible Cards may earn points as detailed in promotional offers we may present to you (for example, on specified types of transactions and/or spending amounts). We will disclose the terms and limitations, if any, of earning additional points in the promotional offers. Unless otherwise noted in the promotional offer, the rest of these Terms and Conditions will still apply.

Point Calculation and Rounding

Points are awarded per qualifying transaction and rounded to the nearest whole number. 

Point Expiration

Earned points will never expire. If you receive gifted points, the gifted points will expire twelve (12) months from the date the points were gifted.

Eligibility to Redeem Points and Point Forfeiture

As long as your account is open, in good standing and you are not in violation of the Terms and Conditions, you can redeem earned points for credit to your Card account.

If you voluntarily close your Card account, all points earned on the closed account will be forfeited. BBVA Compass recommends customers redeem any accrued rewards prior to voluntarily closing the account. 


Points may be redeemed at any time through the Rewards Website, which can be accessed directly at, or through Online Banking at  You must register at the Rewards Website before you can redeem points through the Rewards Website.  You may also redeem points by calling the Rewards Center at 877-676-5172 or via transaction alerts received through the BBVA Wallet. 

Points may only be redeemed for an account credit to an eligible Card account. Please allow up to 14 business days for the credit to post to your Card account.  There is no minimum requirement for the amount of points that can be redeemed for an Account Credit via the Rewards Website or over the phone. You must have a minimum of 100 points available in order to redeem via BBVA Wallet or the exact amount of points equivalent to a specific transaction amount to redeem for a Purchase Credit (refer to section on Purchase Credits). Redemption values may change at any time.

You are responsible for paying your minimum payment due each month. You cannot use redeemed rewards points (account credits) to satisfy your minimum payment due.

Points are redeemed on a first-in, first-out basis, including gifted points.

Purchase Credits

The Purchase Credit feature allows you to request a redemption of points against a specific Qualifying Purchase for an account credit (up to the amount of the transaction). This can be facilitated through the Rewards Website or by calling the Rewards Redemption Center. Purchase Credits can be redeemed against Qualifying Purchases made within the last 90 days. Please allow up to 14 business days from the date the redemption request was completed for the Purchase Credit to post to your Card account. 

BBVA Wallet

The BBVA Wallet is a mobile card management application we provide to BBVA Compass card account holders, and downloading instructions may be found at  Redemptions of points through a BBVA Wallet transaction alert can only be conducted within 24 hours of receiving a transaction alert.  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 also subject to merchant billing practices and may not be received until your card is charged for the purchase price. An inventory of points must be available in the account to redeem.  If you redeem points through a BBVA Wallet transaction alert, your available credit may remain unchanged until the redeemed account credit is actually posted to your account, which could take up to 14 business days from the date the point redemption was requested. 

Point Gifting

You may gift points to other accounts that participate in the CompassPoints Rewards Program. Gifting points is free, and can be initiated through the Rewards Website or by calling 877-676-5172. You must register at the Rewards Website before you can gift points through the Rewards Website. In order to initiate a gift, you must know the full credit card account number to which you would like to gift rewards points. Points may be gifted in any amount (up to your total points balance) and can only be gifted to accounts that participate in the CompassPoints Rewards Program and that are open and in good standing. Gifted points expire twelve (12) months from the date the points are gifted.  For clarification, you may only gift unredeemed points; to receive an account credit, the recipient must redeem the points.


You agree that BBVA Compass may email you periodically about promotional offers, point balances, and general program updates. Providing periodic communications related to rewards points is done at the sole discretion of BBVA Compass.

We may provide any and all future communications related to the Program and/or the Terms and Conditions (including any changes to them) through the Program website, which can be accessed by logging into Online Banking at, or directly at

Customer Service

If you have a problem or question regarding whether you earned points from a particular transaction, whether your points were properly redeemed, or the status of your redemption order, or if you have any other question regarding the Program, you can visit the rewards website directly at, or by logging in through Online Banking at, calling 877-676-5172, or mailing to P.O. Box 680234, Marietta, GA 30068-0004.

If you believe we have made an error or mistake with respect to your Program account, you must notify us within 60 days of the posting date or the date of the alleged error or mistake. We may require you to provide written confirmation of the alleged error or mistake. If we do not receive the requested written confirmation at the address and within the time frame requested by us, we may, in our sole discretion, determine not to correct the alleged error or mistake. All questions or disputes regarding the Program, including eligibility, earning points, or redemption of points, will be resolved by us in our sole discretion.

Canceling Program Participation

You may cancel your participation in the Program at any time by closing your Card account.  If you close your Card account, all points earned on the closed account will be forfeited. We recommend that you redeem any accrued rewards prior to closing your Card account. 


In the event of any abusive, gaming or fraudulent activity related to your participation in the Program or to your Card account, as determined by us in our sole discretion, we reserve the right to make corresponding adjustments to or invalidate points you accrued in the Program, to disqualify you from participating in the Program through use of the Card account, and/or to close your Card account at any time. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/opening, as determined by us in our sole discretion.

Any and all taxes on points in connection with the Program are your responsibility. Please consult with a tax advisor concerning any income or other tax consequences that may be related to points.

The actual period of time it will take to receive points for any single eligible transaction may vary, and we, our agents, and our vendors and service providers shall not be liable for any fees or interest incurred by you or any other loss you may sustain as a result of your reliance on point redemptions.

To the fullest extent permitted by law, we and our vendors and service providers hereby specifically disclaim any representations or warranties, express or implied, regarding the Program, points, and any products or services, including any WARRANTY OF MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE or implied warranties arising from course of dealing or course of performance.  BBVA Compass is not responsible for the performance of any merchant, service provider, or common carrier.

We may exercise our rights under the Terms and Conditions at any time; a delay by us in exercising any right under the Terms and Conditions does not mean that we have waived that right.

This Program is void where prohibited by federal, state, or local law.

Termination or Changes to the Program

We reserve the right to terminate the Program or to change the Program rules, benefits, or points levels, in whole or in part, at any time with or without notice, even though changes may affect your ability to use accumulated points. Accumulated points do not entitle you to any vested rights with respect to points, credits, rewards, or benefits. Notifications to changes in the Program may be limited to the Program website. Please be sure to check frequently for potential updates and changes.


All information collected in connection with the Program is subject to our privacy policy, a copy of which was given to you with your account and which you can obtain online at


BBVA Compass is a trade name of Compass Bank, Member FDIC.