BBVA Points Program


Earn unlimited points in categories you select

When you open a BBVA ClearPoints Credit Card, you automatically start earning rewards with your first purchase!

Earn unlimited points with 1 point for every $1 in purchases.1 Plus, earn 2x and 3x points in purchase categories you select with BBVA Build Your Own Rewards.2 Select the categories where you spend the most and earn more by doubling and tripling your points.

Here's how it works:

  • Select one (1) category to earn 2x points on purchases2
  • Select one (1) category to earn 3x points on purchases2

Category selections must be made each quarter; otherwise, transactions will default to 1 point per $1 of net purchases. 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.

Details you need to make a smart decision

1Reward Points only accumulate on purchases. To qualify to earn points, a purchase must be made with your BBVA Visa Card and processed or submitted through the Visa U.S.A. Inc. payment system. The following do not qualify as purchases: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents or payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN. Account must be in good standing to earn and redeem points.

2BBVA Points Program cardholders must select purchase categories each quarter, or else all transactions default to 1 point per $1 of net purchases. Bonus point categories are subject to change. 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 2x or 3x 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. 

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