BBVA ClearPoints Card Program


Earn unlimited points in categories you select

As a BBVA ClearPoints cardholder, you'll earn unlimited rewards on all purchases with BBVA Build Your Own Rewards. Select the categories where you spend the most to earn 3% and 2% unlimited rewards. Plus, earn 1% unlimited rewards in all other categories.1

Here's how it works:

  • Select one (1) category to earn 2% unlimited rewards on purchases1
  • Select one (1) category to earn 3% unlimited rewards on purchases1
  • Earn 1% unlimited rewards in all other categories1

Category selections must be made each quarter; otherwise, transactions will default to 1% rewards. Select your favorite categories through the rewards website, which can be accessed via Online Banking.

This chart is an example of BBVA Build Your Own Rewards® categories. These are subject to change at any time, at the discretion of BBVA.

Get Started

How to Access Your Online Rewards Account

Accessing your online rewards account is fast, easy and secure. Simply access the rewards website via Online Banking or the BBVA Mobile Banking App.

With this easy-to-use online rewards portal, you can select your BBVA Build Your Own Rewards bonus point categories, track how many points you've earned, review your account details, and easily redeem points for account credit.

How to Redeem Your Rewards

Ready to redeem your rewards? Here are three easy options:

  1. Redeem via the rewards website, which can be accessed via Online Banking or the Mobile Banking App.
  2. Call the rewards center at 844-285-8383.
  3. Redeem rewards in real time, up to the amount of the transaction, when you set-up Mobile Banking transaction alerts.

1Build Your Own Rewards for the BBVA ClearPoints Credit Card requires customers to select categories prior to the start of each quarter. If you do not, all transactions default to 1 point per $1 of net purchases. Points accumulate on Qualifying Purchases and can be redeemed for account credit. Account must be in good standing to earn and redeem points. Bonus points are awarded based on the merchant’s reporting of its merchant category code (MCC). BBVA is not responsible for awarding points if a merchant reports its merchant category code in a category that falls outside of the bonus point category listing. Purchases made using third-party payment accounts, mobile or wireless card readers, virtual wallets, or similar technology may not qualify for a 2% or 3% purchase category if that technology is not set up to process the purchase in that category. Final determination of which purchases qualify for bonus points is at the sole discretion of BBVA. A “purchase” is any purchase made with your BBVA Credit Card that is processed or submitted through the Visa U.S.A. Inc. payment system. The following types of transactions do not count as purchases and will not earn points: balance transfers, cash advances, checks that access your account, fees assessed by us, prepaid or reloadable cards, quasi-cash items (like casino chips), cash equivalents (like money orders) and purchases made using a Personal Identification Number (PIN).

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