
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated . What changed?
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.
BBVA Compass currently offers four credit cards. 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. The fourth is a secured card. which can be useful if you have fair to no credit.
Earn unlimited 2 rewards on all purchases with a monthly deposit to a BBVA Compass savings account.
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 | Earn a $100 in account credits when you open a new BBVA Rewards Card between 05/01/2020-05/31/2020, and make $1,500 in purchases in the first 90 days of account opening. |
Rewards | 2% on all purchases with $1,000 monthly direct deposits to a BBVA Compass account (1.5% otherwise) |
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 |
Rewards | 3x in one category and 2x points in another chosen category each activated quarter and 1x points on all other purchases. |
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 purchases1 in the first 90 days of account opening |
Rewards | 2x in one category and 3x points in another chosen category each activated quarter and 1x points on all other purchases. |
Annual Fee | $40 |
---|---|
Purchase APR | 22.24% variable |
Balance transfer APR | 22.24% variable |
Welcome offer | N/A |
Rewards | N/A |
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.
You can apply for a BBVA Compass credit card online by doing the following. Note that BBVA requires an invitation code to apply.
To apply online, you’ll need to receive an invite from BBVA Compass. 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.
With only four cards to choose from, your BBVA credit card options will prove more limited than other banks. Here are the two types of cards offered by BBVA Compass:
Three of the four BBVA Compass credit cards offer rewards. The main difference between them is their earning categories.
The BBVA Optimizer Credit Card is BBVA’s sole credit-building option. It doesn’t offer rewards, but it does offer a reasonable APR for a secured card along with the ability to increase your credit limit with further deposits.
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.
To redeem rewards, log in to your credit card account on the BBVA Compass website. You can check your rewards balance and redeem points.
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.
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 other available credit card options.
Support your child’s financial knowledge and teach the important real-life money skills in a safe and controlled way with a kids’ debit card.
Get up to 10 cents off on your BP and Amoco station gas purchases.
Two great cards for building your credit score.
Sephora regulars get to earn rewards on their purchases.
Help your child learn to spend and save wisely with a virtual, COPPA-compliant debit card.
Take advantage of miles, points and perks with a card that best fits your lifestyle.
Here are our top balance transfer picks for 2021.
Here are our top picks for 2021.
Earn additional points on Spirit purchases, plus earn points on groceries and dining.
The fee-free Upgrade Card offers 1.5% cash back, but it lacks many standard benefits.