Maximize your credit card rewards

Compare the card rewards programs below:

Rewards Card

BBVA Compass Rewards Card

The card that is always maximizing your rewards! Earn hassle-free rewards across ALL purchase categories every time and everywhere.

  • Earn unlimited 1.5% rewards across ALL purchase categories, anywhere Visa is accepted.
  • You could earn an additional 0.5% rewards, for a total of 2% unlimited rewards, with a monthly direct deposit of at least $1,000.1
  • View our APR, Terms & Fees

ClearPoints Credit Card

Maximize your rewards in the categories where you spend the most with the most flexible and easy-to-use rewards program available.

  • Earn unlimited double and triple points in purchase categories you choose each quarter and unlimited 1 point per $1 on all other purchase categories.2
  • View our APR, Terms & Fees

Both cards offer:

  • BBVA Compass Rewards Card offers no annual fee and Clearpoints Credit Card offers no annual fee
  • Get 0% Introductory APR for 13 months on purchases and on balance transfers requested within 60 days of account opening; after that, a 12.99% to 30.99% variable APR.
  • 24/7 security features such as temporarily blocking and unblocking your card anytime, anywhere with BBVA Compass Mobile Banking App

Details you need to make a smart decision

1BBVA Compass Rewards Program: BBVA Compass Rewards Cards automatically earn 1.5 Base Points per $1.00 of net purchases. In addition to Base Points, BBVA Compass Rewards Cardholders can earn Relationship Rewards Points at a rate of one half (0.5) point for each $1.00 of net purchases (for a total of 2 points per $1.00). To be eligible for Relationship Rewards Points, you must receive direct deposits (from third parties) totaling $1,000.00 or more in a calendar month to your BBVA Compass consumer checking, savings or money market account. Eligibility for Relationship Rewards Points is assessed monthly, and Relationship Rewards Points will be applied to purchases made the following month with your BBVA Compass Rewards Card. To qualify to earn points, a purchase must be made with your BBVA Compass Rewards 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.

2A “purchase” is any purchase made with your BBVA Compass Visa ClearPoints Credit Card, and processed or submitted through the Visa U.S.A. Inc. payment system. 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. Bonus point categories are subject to change from quarter to quarter. 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.

Balance Transfers: The relative benefits you receive from balance transfers could vary depending on your individual circumstances. If the balance is not paid off in full within the promotional period, you may or may not realize savings on interest. 

The Introductory APR for Purchases will apply through the end of the thirteenth billing cycle after the account is opened for all Purchases posted to the account within the same period. The Introductory APR for Balance Transfers will apply through the end of the thirteenth billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening. If you take advantage of any promotional Balance Transfer or Purchases offer from BBVA Compass, you may lose your grace period on new Purchases 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.