BBVA Compass credit cards |

BBVA Compass credit cards

This regional bank’s tiered rewards cards are standout products.

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BBVA Compass

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BBVA Compass may not be a well-known card provider, but the bank offers a selection of impressive products. It’s an especially good choice for a range of reward cards that offer account credit.

Compare BBVA Compass credit cards

BBVA Compass currently offers four credit cards that range from the simple to powerful. One is a flat-rate rewards card. Two are tiered rewards cards, which can be helpful if you spend more heavily in a few categories. Finally, you’ll find a secured card that can be useful if you have fair to no credit.

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BBVA Rewards Card

BBVA Rewards Card

Earn % on all purchases with a $1,000 monthly direct deposit to a BBVA Compass account (1.5% otherwise).

The BBVA Rewards Card stands out among the competition if you qualify for the rewards rate. It’s a good choice if don’t want to keep track of tiered rewards.

Earn unlimited 2% rewards on all purchases with a monthly deposit to a BBVA Compass savings account.

BBVA Select℠ Credit Card

BBVA Select℠ Credit Card

Earn 20,000 points after spending $2,000 in the first 90 days from account opening.

Of all BBVA Compass rewards cards, this one’s a powerhouse. Its best benefit is Build Your Own Rewards, which lets you choose the categories in which you’ll earn accelerated points. If you spend heavily in these categories, you could easily offset the card’s annual fee.

BBVA ClearPoints Card

BBVA ClearPoints Card

Take advantage of an intro APR on purchases and balance transfers with no annual fee and flexible rewards.

Go with the BBVA ClearPoints Card if you want the flexibility of choosing your accelerated-reward categories but don’t want to pay an annual fee.

BBVA Optimizer Credit Card

BBVA Optimizer Credit Card

A secured card that earns you interest on your deposit while you build or rebuild your credit.

You’ll pay a relatively high annual fee of $40. However, The BBVA Optimizer Credit Card offers a purchase and balance transfer APR that’s lower than most of its competitors. And your security deposit earns interest while you build toward stronger credit.

BBVA Compass rewards program

BBVA Compass offers points for its reward cards that you can redeem for account credit. It may also offer account credit directly. You may not be able to boost your redemption, like with the Chase Sapphire Preferred® Card. But your points are flexible, because they can help you cover a variety of expenses.

How do I redeem points?

To redeem rewards, log in to your credit card account on the BBVA Compass website. You can check your rewards balance and redeem points.

How much are points worth?

Points are worth 1% in account credit, which is a standard rate in the industry. If you have 10,000 points, they’re worth $100 in account credit.

Typical card features and benefits of a BBVA Compass card

  • No or waived annual fees. It can be easy to start with a BBVA Compass card without an initial fee. Though the more comprehensive card in the suite requires an annual fee starting the second year.
  • Flat or tiered rewards. Choose how you’d like to receive your rewards.
  • Limited availability. You must live in an eligible state to apply for a BBVA Compass credit card.
  • Online banking. Register for an online account to monitor your spending, pay your bills and redeem points.

Compare top credit cards

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% variable
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
0% intro for the first 18 months (then 12.99% to 20.99% variable)
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 25.99% variable)
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
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How to apply for a BBVA Compass card

  1. Go to the BBVA Compass website and navigate to the appropriate card page.
  2. When you’re ready to apply, request a call from BBVA Compass by entering your contact information. Or find a local BBVA Compass location to apply in person.
  3. Gather the required application information, including your personal and financial details.
  4. Wait for a BBVA Compass representative to call you or visit your local branch.

How does BBVA Compass keep my credit card information secure?

  • Banking alerts. If you sign up for alerts, BBVA Compass notifies you online or by text when it spots suspicious transactions on your account.
  • Data encryption. The bank encrypts all data transmitted over its site so that it can’t be read by unauthorized third parties.
  • Dedicated fraud reporting. Call 1-800-266-7277 to report fraudulent activity on your account. If you see phishing emails that appear to be from BBVA Compass, call 1-800-273-1057.
  • Learning center for account security. A section on the site offers tips on general fraud prevention, email security, mobile phone security and more.

Bottom line

Hands down, BBVA Compass’s best products are its tiered reward cards. Relatively few cards let you choose how to accelerate your rewards, helping you to earn big if you spend heavily in select categories. There’s also no cap on rewards you can earn.

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