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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.
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.
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.
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 | $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) |
| 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 |
| 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. |
| 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 |
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 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.
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.
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.
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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