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BBVA Compass credit cards: Which one is best for you?

Find a BBVA Compass card with a rewards structure that best fits your needs.

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Compare BBVA Compass credit cards

Use our table to compare all BBVA credit cards in terms of rewards, annual fee and interest rates. You can also view additional details of each card or read our unbiased review.

Name Product Filter values Rewards Purchase APR Annual fee
BBVA Rewards Card
2% on all purchases with $1,000 monthly direct deposits to a BBVA Compass account (1.5% otherwise)
11.24% to 29.24% variable
$0
Earn % on all purchases with a $1,000 monthly direct deposit to a BBVA Compass account (1.5% otherwise).
BBVA Optimizer Credit Card
N/A
22.24% variable
$40
A secured card that earns you interest on your deposit while you build or rebuild your credit.
BBVA Select℠ Credit Card
4% unlimited rewards on Entertainment, 3% unlimited rewards on Dining, 2% unlimited rewards on Travel, and 1% unlimited rewards on all other purchases
13.24% to 17.24% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 points after spending $4,000 in the first 90 days from account opening.
BBVA ClearPoints Card
2x in one category and 3x points in another chosen category each activated quarter and 1x points on all other purchases.
0% intro for the first 13 months (then 11.24% to 29.24% variable)
$0
Take advantage of an intro APR on purchases and balance transfers with no annual fee and flexible rewards.
BBVA Secured Visa® Business Credit Card
BBVA Secured Visa® Business Credit Card
16.24% variable
$0 intro annual fee for the first year ($40 thereafter)
You pay no annual fee for the first year with BBVA Compass Secured Visa® Business Credit Card. After that, you pay a low fee of $40 per year.
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Compare up to 4 providers

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 rewards cards that offer account credit. However, you have to be either invited or you must live in the following states to be eligible for BBVA’s cards: AL, FL, TX, AZ, CO, CA and NM.

What are the best BBVA cards?

We compared every credit card offered by BBVA Compass and highlighted their best features. Three of the cards offer rewards, but each rewards structure is better suited to specific consumers. The BBVA Optimizer Credit Card was the only secured card from the bank.

Best for flat rate rewards
BBVA Rewards Card

BBVA Rewards Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 2%
Cash back
$100
Welcome offer
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.

  • Annual fee: None. Use your card and earn rewards over the long term with no initial fee.
  • Intro APR: 0% for 13 months on balance transfers made within the first 60 days your account is open. After that, your APR reverts to a variable 11.24% to 29.24%. This is a solid balance transfer intro APR.
  • Rewards: Flat rewards on every purchase. After qualifying direct deposits into your BBVA Compass deposit account, you'll earn 2% rewards on all purchases. Without the qualifying deposits, you'll earn 1.5% rewards on all purchases.
Annual Fee $0
Purchase APR 11.24% to 29.24% variable
Balance transfer APR 0% intro for the first 13 months (then 11.24% to 29.24% variable)
Welcome offer $100 account credit after spending $1,500 in the first 90 days
Estimated welcome offer value
Rewards 2% on all purchases with $1,000 monthly direct deposits to a BBVA Compass account (1.5% otherwise)

Best for flexible rewards
BBVA Select℠ Credit Card

BBVA Select℠ Credit Card logo
Credit recommended (740-850)
Read review
740
Min. credit score
$99 ongoing
Annual fee
Up to 4x
Points
$500
Points welcome offer
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.
  • Annual fee: Waived for the first year, then $99. Earn rewards toward the signup bonus without paying an annual fee for the first year, afterwards, the annual fee is $99.
  • BBVA Compass Build Your Own Rewards. Choose one category to earn 3x points on your spending. Choose two categories to earn 2x points. On everything else, you'll earn 1x points. You can change these categories every 90 days.If you don't select your bonus categories, they will default to 3x points on groceries and 2x points on gas and travel.
  • Points boost. Each month you use your card to make $5,000 or more in qualifying purchases, you'll earn 1,000 bonus points.
  • $100 account credit. To earn it, spend $4,000 in qualifying purchases within the first 90 days your account is open.
  • Narrow APR range. Your purchase and balance transfer APRs will fall within a variable range of 13.24% to 17.24%. That's right around the average credit card APR.
Annual Fee $0 intro annual fee for the first year ($99 thereafter)
Purchase APR 13.24% to 17.24% variable
Balance transfer APR 13.24% to 17.24% variable
Welcome offer 50,000 points after spending $4,000 in the first 90 days
Estimated welcome offer value
Rewards 4% unlimited rewards on Entertainment, 3% unlimited rewards on Dining, 2% unlimited rewards on Travel, and 1% unlimited rewards on all other purchases

Best for no annual fee
BBVA ClearPoints Card

BBVA ClearPoints Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3x
Points
$100
Welcome offer
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.
  • Annual fee: None. Because you won't have to pay to activate the card, your rewards are all upside.
  • Intro APR: 0% for 13 months following your account opening on purchases and balance transfers. After the intro, your APR reverts to a variable 11.24% to 29.24%. This is a decent intro APR, especially as it applies to purchases and balance transfers. Only transfers you make within the first of card membership qualify for the special rate.
  • Rewards: BBVA Compass Build Your Own Rewards. Choose one category to earn 3x points in. Choose another category to earn 2x points in. On everything else or if you don't activate your rewards each quarter, you'll earn 1x points.
Annual Fee $0
Purchase APR 0% intro for the first 13 months (then 11.24% to 29.24% variable)
Balance transfer APR 0% intro for the first 60 days (then 11.24% to 29.24% variable)
Welcome offer $100 account credit when you make $1,500 in purchases in the first 90 days of account opening
Estimated welcome offer value
Rewards 2x in one category and 3x points in another chosen category each activated quarter and 1x points on all other purchases.

Best for building credit
BBVA Optimizer Credit Card

BBVA Optimizer Credit Card logo
Credit recommended (300-579)
Read review
300
Min. credit score
$40
Annual fee
n/a
Rewards
n/a
Welcome offer
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.
  • Earn interest on your security deposit. This secured card requires an initial deposit into a savings account, which then acts as your credit line. But unlike other similar cards, your deposit generates interest.
  • Relatively low APR. Many secured cards come with purchase and balance transfer APRs around 24% variable, which is a high rate. The BBVA Optimizer Credit Card has a purchase and balance transfer APR of 22.24% variable. That's still slightly higher than the average credit card APR, but it's lower than what many competitors offer.
Annual Fee $40
Purchase APR 22.24% variable
Balance transfer APR 22.24% variable
Welcome offer N/A
Estimated welcome offer value
Rewards N/A

How to apply for a BBVA Compass card

You can apply for a BBVA Compass credit card online by doing the following. Note that BBVA requires an invitation code to apply.

  1. Go to the BBVA Compass website. At the top menu bar, click on Credit cards.
  2. Peruse the credit card you want to apply for and click Get started.
  3. You’ll need to enter your reservation code to begin. Type in your code and select how you received it and then click Submit.
  4. If you don’t have a reservation code, call BBVA Compass directly at: 844-BBV-AUSA. Or find a local BBVA Compass location to apply in person.
  5. Gather the required application information, including your personal and financial details. You’ll need to fill out the application using this information.

Application restrictions

To apply online, you’ll need to receive an invite from BBVA Compass or live in one of the following states: AL, FL, TX, AZ, CO, CA and NM. You’ll typically receive one of these through email or physical mail. If you don’t have one of these invitations and still want to apply, you’ll need to call or visit a local branch.

Types of BBVA Compass credit cards

With only four cards to choose from, your BBVA credit card options may seem limited compared to other banks. Despite that, there are two card types: reward cards and a secured card.

The three reward cards offer a variety of reward categories, such as entertainment, dining or a category of your choice. Unfortunately, you won’t find a premium travel card of the likes of the Platinum Card by Amex.

Standout 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. On the positive side, you can get your annual fee waived even after you second year by being a permier personal banking member.
  • Rewards. Three of BBVA’s credit cards earn reward points which are worth 1 cent each. One earns flat rate on all purchases, another earns higher rewards rate on entertainment, dining and travel, while the third earns a higher rewards rate on categories you choose.

Full list of BBVA Compass credit cards

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.

If you’re looking for a rewards card with more expansive reward opportunities, however, check out the Freedom Flex card.

Frequently asked questions

How does BBVA Compass keep my credit card information secure?
If you sign up for alerts, BBVA Compass notifies you online or by text when it spots suspicious transactions on your account. Also, the bank encrypts all data transmitted over its site so that it can’t be read by unauthorized third parties.

What is BBVA?
Short for Banco Bilbao Vizcaya Argentaria, BBVA is a banking group based in Madrid, Spain. It acquired Compass Bank in 2007, renaming its new acquisition BBVA Compass.

Do points expire?
Yes. Your points expire 36 months — a long three years — from when you earned them.

Where does BBVA Compass operate?
Services are concentrated in Texas, though they extend to the West Coast and the South, with a few other states scattered between.

To apply for a BBVA Rewards Card or BBVA ClearPoints Card, you must live in Alabama, Arizona, California, Colorado, Florida, Georgia, Massachusetts, Mississippi, New Mexico, Oklahoma, Tennessee or Texas.

To apply for a BBVA Select℠ Credit Card or BBVA Optimizer Credit Card, you must live in Alabama, Arizona, California, Colorado, Florida, New Mexico or Texas.

How do I cancel a BBVA credit card?
If you need more information on canceling your BBVA credit card, check out our full guide.

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