CompassPoints® Rewards


Earn unlimited points in categories you select

When you open a BBVA Compass ClearPoints Credit Card, you automatically start earning rewards with your first purchase!

Earn unlimited points with 1 point for every $1 in purchases.1 Plus, earn 2x and 3x points in purchase categories you select with the BBVA Compass Build Your Own Rewards® feature for CompassPoints®.2 Select the categories where you spend the most and earn more by doubling and tripling your points.

Here's how it works:

  • Select one (1) category to earn 2x points on purchases2
  • Select one (1) category to earn 3x points on purchases2

Category selections must be made each quarter; otherwise, transactions will default to 1 point per $1 of net purchases. Select your favorite categories now at

Office supplies, restaurants, and travel puchases receive triple points. Gas, home improvement and utilities purchases receive double points. Below: Figure of example transactions and points awarded.


This chart is an example of BBVA Compass Build Your Own Rewards® categories. These are subject to change at any time, at the discretion of BBVA Compass.

Get Started

How to Register Your Online Rewards Account

Registering your CompassPoints® online rewards account is fast, easy, and secure. Simply go to or access the site via Online Banking.

With this easy-to-use online rewards portal, you can select your BBVA Compass Build Your Own Rewards® bonus point categories, track how many points you've earned, review your account details, and easily redeem points for account credit.

How to Redeem Your Rewards

Ready to redeem your rewards? Here are three easy options:

  1. Redeem via the rewards website, which can be accessed via Online Banking or directly at
  2. Redeem in real-time at any merchant via a transaction alert from BBVA Wallet3.  Download BBVA Wallet today from the App Store® or Google PlayTM.
  3. Call 1-87-REWARDS1 (1-877-392-7371).

Details you need to make a smart decision

1CompassPoints only accumulate on purchases. To qualify to earn points, a purchase must be made with your BBVA Compass Visa 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. It may take up to 45 days for bonus points to be awarded. Account must be in good standing to earn and redeem points.

2CompassPoints cardholders must select purchase categories each quarter, or else all transactions default to 1 point per $1 of net purchases. Bonus point categories are subject to change. Bonus points 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.  

3 Redemptions of CompassPoints 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 subject to merchant billing practices and may not be received until your card is charged for the purchase price. 100 points is the minimum amount that can be redeemed in Wallet.

App Store is a service mark of Apple, Inc., registered in the U.S. and other countries. Google PlayTM is a trademark of Google, Inc. Use of this trademark is subject to Google Permissions