BBVA Compass credit cards | finder.com

BBVA Compass credit cards — December 2018

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

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.

Best 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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Best for flat-rate rewards: BBVA Compass Rewards Card

BBVA Compass Rewards Card

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

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The BBVA Compass 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.

Best for flexible reward categories: BBVA Compass Select℠ Credit Card

BBVA Compass Select℠ Credit Card

Premium credit card with custom rewards to fit your lifestyle. The Select Credit Card is for you if you want to be in control of how you earn and multiply your rewards.

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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.

Best for flexible reward categories with no annual fee: ClearPoints Credit Card

ClearPoints Credit Card

CompassPoints® Rewards Program, introductory purchase and balance transfer APRs and no annual fee.

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

Best for fair or no credit: Optimizer Credit Card

Optimizer Credit Card

The Optimizer Credit Card is a secured credit card, which means your credit line is backed, or secured, by a collateral savings account.

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You’ll pay a relatively high annual fee of $40. However, The 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 Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$450
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$550
None (Charge Card)
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$0
13.99% variable
0% for the first 15 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 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
$0
16.24% to 22.24% variable
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
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
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% fixed
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.

Compare up to 4 providers

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.

Frequently asked questions

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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Read more on this topic

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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