BBVA Rewards

BBVA Points Program

Terms and Conditions

The BBVA Points Program is a promotional rewards program ("Program") offered by BBVA USA (“BBVA”, the “Bank”, “we”, “us” or “our”). In this Program, “you” or “your” means everyone that may be a consumer account holder (joint or otherwise) on one of the following products: BBVA ClearPoints Credit Card, BBVA Points Credit Card, BBVA ClearPoints Credit Card, Visa Signature Credit Card, Visa Personal Line of Credit (PLC), Dynamo ClearPoints Credit Card, Wealth Management Visa Platinum and Signature Credit Cards, and Charge Card (“Card”). This is a separate and independent agreement from the agreement for your Card account; however, it is subject to the governing law provisions and dispute resolution provisions of the agreement for your Card account, which provisions are incorporated herein by reference and also apply to any vendor or service provider we choose to assist in the operation of the Program.  We reserve the right to disqualify any individual who violates these terms and conditions or violates any Program rules, terms, or conditions posted on or otherwise disclosed to you by BBVA (collectively “Terms and Conditions”). By using your Card, you agree to be bound by the Terms and Conditions of the Program.  These Terms and Conditions may change from time to time.  


Eligible Cards are automatically enrolled in the Program at Card account opening to begin earning points.

Earning Points

You earn points based on the value of the Qualifying Purchases that post to your account, less any returns, credits, unauthorized charges, fraudulent charges, or other adjustments that are not payments.  Points are not your property and have no cash or monetary value. 

Except as provided below or pursuant to the terms of any specific offer, a “Qualifying Purchase” is any purchase made with your Card that is processed or submitted through the Visa U.S.A. Inc. payment system. Unless otherwise provided in additional terms for special promotions, the following are not Qualifying Purchases for purposes of the Program:

  • Payments of existing loan or credit card balances
  • Balance transfers
  • Cash advances
  • ATM transactions
  • Illegal transactions
  • Checks that access your credit card account (e.g., convenience checks)
  • Fees or interest charged by us (for example, annual fees, finance charges, and related service charges, if any apply)
  • Purchases of gift cards, prepaid cards or reloadable cards
  • Purchases of quasi-cash items (for example, casino chips), 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)
  • Adjustments made to your account
  • Card transactions in which you use a PIN number rather than sign a receipt

We reserve the right to determine, in our sole discretion, whether a particular transaction is a Qualifying Purchase.  Transactions that are not Qualifying Purchases do not earn any points.  Unless otherwise stated in a promotional offer, a Qualifying Purchase is deemed to occur on the date of the transaction.  

Your Reward points balance will increase or decrease due to Qualifying Purchase credits, returns, or other adjustments to your Card account. Qualifying Purchase credits, returns, or adjustments are deemed to occur on the date of the credit, return, or adjustment. Your Reward points balance will not be updated until after the Qualifying Purchase credit, return, or adjustment posts to your Card account.  In the event we award points to your Reward account in error, we reserve the right to reverse those points. Some updates may reduce your points balance, and in some cases could result in a negative point balance.

Base Points

Base Points accrue at a rate of one (1) point for each $1.00 (U.S.) of net Qualifying Purchases made with your eligible Card. There is no limit on the number of total Base Points you may earn in the Program, although limits may apply to any points you can earn in addition to Base Points.

Build Your Own Rewards Bonus Points

Using the Build Your Own Rewards (BYOR) feature, you may select Bonus Point purchase categories each quarter to earn Bonus Points for net Qualifying Purchases made at merchants included in those purchase categories during that quarter.  The list of eligible Bonus Point purchase categories is predetermined by us, and may change from time to time.  Each quarter, you may select one purchase category from a list to earn one bonus point per $1.00 (in addition to the Base Point, for a total of 2 points per $1.00) of net Qualifying Purchases at merchants in that category.  You may also select an additional purchase category from the same list to earn two bonus points per $1.00 (in addition to the Base Point, for a total of 3 points per $1.00) of net Qualifying Purchases at merchants in that category.

Purchase categories may be selected by accessing the rewards website through Online Banking at If you do not have access to the rewards website, you may call the rewards redemption center at 844-285-8383 for assistance with making your quarterly selections. If no category selection is made for a quarter, all transactions will default to one (1) Base Point per $1.00 spent during that quarter.

Cardholders must select categories each quarter to earn Bonus Points.

Quarters are defined as calendar quarters, which start January 1, April 1, July 1 and October 1. You can make a selection as early as the first day of the quarter prior to the quarter when the selections take effect. For instance, you may begin making your selections for the second quarter (which runs April 1 through June 30) on January 1st of the same year.  You may change your selections as many times as you would like prior to the start of the quarter, but once the quarter begins, no changes are permitted for that quarter.  If you do not make selections before a quarter begins, all Qualifying Purchases made during that quarter will default to one (1) point per $1. You may make selections at any point during the quarter, however, transactions will only start earning the additional bonus points as of the selection date. Bonus Points will not be applied retroactively to the beginning of the quarter if selections are made after the beginning of the quarter. 

Points will be awarded based on the merchant category codes (MCCs) identified by the Bank to participate in each BYOR purchase category. Even though a merchant or some of the items that it sells may appear to fit within a purchase category, the merchant may not process transactions under that MCC. When that happens, the purchase will not qualify for BYOR Bonus Points in that category.  For instance, a large retailer may report one of its stores in the grocery MCC (5411), but another one of its stores in the wholesale clubs MCC (5300), even if that store sells food products.  The grocery store MCC (5411) is included in the grocery purchase category, while wholesale clubs (5300) is not included. Categories that are selected to participate in the BYOR program, along with their associated value, are chosen at the discretion of the Bank and may change from time to time. There are currently no caps on the amount of BYOR Bonus Points you can earn.

Promotional Offers

In addition to Base Points and BYOR Bonus Points, eligible Cards may earn points as detailed in promotional offers we may present to you (for example, on specified types of transactions and/or spending amounts). We will disclose the terms and limitations, if any, of earning additional points in the promotional offers. Unless we tell you differently in an offer, the rest of these Terms and Conditions will still apply.

Point Calculation and Rounding

Points are awarded per qualifying transaction and rounded to the nearest whole number. Base Points, BYOR Bonus Points, and points earned through promotional offers are awarded points and rounded separately.

Point Expiration

Earned points will begin to expire at the end of the month following thirty-six (36) months from the date the points were earned. If you receive transferred points, the transferred points expire based on the expiration date assigned at the time they were originally earned.

Eligibility to Redeem Points and Point Forfeiture

As long as your Card account is open, in good standing and you are not in violation of the Terms and Conditions, you can redeem earned points for credit to your Card account.  However, generally, you may not redeem points if your Card account is not open for transactions.

BBVA recommends customers redeem any accrued rewards prior to voluntarily closing the account.  If you voluntarily close your Card account, you will have 45 days from the date you close your account to redeem any existing points.  After that, all points earned on the closed account will be forfeited. On the day you close your account, you will cease earning points on transactions, including any trailing transactions that post to your Card account on or after the closure date.

If we close your Card account, or if you are disqualified from participating in the Program, your points will be forfeited and you will not be able to redeem them.  If we close your account for other reasons, you will have 45 days from the date you close your account to redeem any existing points.


Points may only be redeemed for an account credit to an eligible Card account that is currently open or that you voluntarily closed within the previous 45 days. Please allow up to 7 business days for the credit to post to your Card account. Points can be redeemed for $0.01 (a penny) per point. You must have a minimum of 2500 points OR the exact amount of points equivalent to a specific transaction amount (refer to section on Purchase Credits) to request a redemption via the website or over the phone. Redemption values may change at any time.

Points may be redeemed at any time through the rewards website, which can be accessed via Online Banking at  You may also redeem points by calling the rewards redemption center at 844-285-8383.  We may also allow you to redeem points through other channels or methods pursuant to separate terms and conditions. 

Earned points and transferred points are redeemed based on their expiration date.  When you redeem points, the points that will expire soonest will be redeemed first.

You are responsible for paying your minimum payment due each month. You cannot use redeemed rewards points (account credits) to satisfy your minimum payment due.

Purchase Credits

The Purchase Credit feature allows you to request a redemption of points against a specific Qualifying Purchase for an account credit (up to the amount of the transaction). This can be facilitated through the rewards website or by calling the rewards redemption center. Account credits initiated via the Purchase Credit feature can only be redeemed against Qualifying Purchases made within the last 90 days. Please allow up to 7 business days from the date the redemption request was completed for the account credit to post to your Card account. 

Transferring Points

You may transfer points (not account credits) to other BBVA consumer credit card accounts that participate in a BBVA rewards program. Transferring points is free, and can be initiated through the rewards website, which can be accessed via Online Banking, or by calling the rewards redemption center at 844-285-8383. Points may be transferred in any amount (up to your total points balance) and can only be transferred to BBVA accounts that are open and in good standing. Transferred points expire based on the date they were originally earned. For clarification, you may only transfer unredeemed points; to receive an account credit, the recipient must redeem the points.

Customer Service

If you have a problem or question regarding whether you earned points from a particular transaction, whether your points were properly redeemed, or the status of your redemption order, or if you have any other question regarding the Program, you can visit the rewards website by logging in through Online Banking at or by calling the rewards redemption center at 844-285-8383.

If you believe we have made an error or mistake with respect to your Program account, you must notify us within 60 days of the posting date or the date of the alleged error or mistake. We may require you to provide written confirmation of the alleged error or mistake. If we do not receive the requested written confirmation at the address and within the time frame requested by us, we may, in our sole discretion, determine not to correct the alleged error or mistake. All questions or disputes regarding the Program, including eligibility, earning points, or redemption of points, will be resolved by us in our sole discretion.

Canceling Program Participation

You may cancel your participation in the Program at any time by closing your Card account.  If you close your Card account, all points earned on the closed account will be forfeited. We recommend that you redeem any accrued rewards, in accordance with the Terms and Conditions, prior to closing your Card account.


In the event of any abusive, gaming or fraudulent activity related to your participation in the Program or to your Card account, as determined by us in our sole discretion, we reserve the right to make corresponding adjustments to or invalidate points you accrued in the Program, to disqualify you from participating in the Program through use of the Card account, and/or to close your Card account at any time. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/opening, as determined by us in our sole discretion.

Any and all taxes on points in connection with the Program are your responsibility. Please consult with a tax advisor concerning any income or other tax consequences that may be related to points.

The actual period of time it will take to receive points for any single eligible transaction may vary, and we, our agents, and our vendors and service providers shall not be liable for any fees or interest incurred by you or any other loss you may sustain as a result of your reliance on point redemptions.

To the fullest extent permitted by law, we and our vendors and service providers hereby specifically disclaim any representations or warranties, express or implied, regarding the Program, points, and any products or services, including any WARRANTY OF MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE or implied warranties arising from course of dealing or course of performance.  BBVA is not responsible for the performance of any merchant, service provider, or common carrier.

We may exercise our rights under the Terms and Conditions at any time; a delay by us in exercising any right under the Terms and Conditions does not mean that we have waived that right.

This Program is void where prohibited by federal, state, or local law.

Termination or Changes to the Program

We reserve the right to terminate the Program or to change the Program rules, benefits, or points levels, in whole or in part, at any time with or without notice, even though changes may affect your ability to use accumulated points. Accumulated points do not entitle you to any vested rights with respect to points, credits, rewards, or benefits. Notifications to changes in the Program may be limited to the rewards website. Please be sure to check the rewards website frequently for potential updates and changes.


All information collected in connection with the Program is subject to our privacy policy, a copy of which was given to you with your account and which you can obtain online at


BBVA and BBVA Compass are trade names of BBVA USA, Member FDIC.