How you'll get rewarded

3x points

2x and 3x points

Earn 3x points in one of the categories below and 2x points in another.

 

 

2x points

$100 bonus

Get a $100 Account Credit when you make $1,500 in Qualifying Purchases in the first 90 days .3

Mobile App

0% Intro APR

0% Intro APR for 13 months on Purchases and Balance Transfers requested within 60 days of opening the account,  13.24% to 31.24% variable APR after that, dependent upon creditworthiness. No Annual Fee.*

You’ll also earn 1 point per $1 spent in all other categories2

Select from these categories to earn 2x and 3x points

 

  • Dining
  • Entertainment
  • Gas
  • Retail
  • Grocery
  • Healthcare
  • Maintenance
  • Business Services
  • Travel
  • Utilities

To receive double or triple bonus points, categories must be selected each quarter; otherwise all transactions default to 1 point per $1.

See this card's APR, Terms, & Fees

These terms are accurate as of September 28, 2018, but may have changed after that date. You can always find out the current terms by contacting us at: BBVA, P.O. Box 2210, Decatur, AL 35699, or 1-800-239-5175.

How We Will Calculate Your Balance: We use a method called "daily balance." See the credit card agreement for more details.

The Introductory APR for Purchases will apply through the end of the thirteenth billing cycle after the account is opened for all Purchases posted to the account within the same period. The Introductory APR for Balance Transfers will apply through the end of the thirteenth billing cycle after the account is opened for all Balance Transfers requested within 60 days of account opening.

If you take advantage of any promotional Balance Transfer, Convenience Check or Cash Advance offers from BBVA, you may lose your grace period on new Purchases because you must pay your entire balance each month, including any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions.

Other Fees:* To the extent permitted by applicable law, the following fees may apply: Returned Check Fee - Up to $25 ($0 in Louisiana); Stop Payment Fee - $29 ($0 in Indiana, Kentucky, Louisiana, Missouri, Pennsylvania, and West Virginia); Expedited Delivery Fee - amount determined at time of request; Document Fees - Up to $37 depending upon the item ($0 in Indiana, Kentucky, Louisiana, Missouri, Pennsylvania, and West Virginia); Transfer Fee (for direct deposit of Cash Advance to your checking account) - $25; Expedited Payment Fee - $10; Skip Payment Fee (if offered by us, accepted by you and your Minimum Payment Due would have been $200 or more) - $35; Rate Reduction Fee (if offered by us  and accepted by you) - $75. Returned Payment - $0 in Maryland, $20 in all other states.

*Fees and Minimum Interest Charge are not applicable if you are a “covered borrower” under the Military Lending Act, as defined in 32 CFR Part 32.

May not be available to residents of all states. California Residents: Married applicants may apply for separate accounts. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from month to month. New York Residents: Your ‭credit report may be obtained. Upon your request, BBVA will inform you whether a report was obtained and, if so, the name and address of the consumer reporting ‭agency. Subsequent credit reports may be requested in connection with an update, renewal, or extension of the credit for which you are applying. New York residents may ‭contact the New York State Department of Financial Services at 1-800-342-3736 or visit its website, www.dfs.ny.gov, for free information on comparative credit card rates, ‭fees, and grace periods. Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that ‭the credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. ‭

Details you need to make a smart decision

All credit cards subject to approval, including credit approval. Please see  terms and conditions.

1BBVA 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.

2Points 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. It may take up to 45 days for bonus points to be awarded. Account must be in good standing to earn and redeem points.

3$100 account credit offer not available to existing BBVA credit cardholders. Offer applies to accounts open between 9/1/18 to 12/31/18. $1,500 in net purchases must be made within 90 days of account opening to be eligible for the $100 account credit. Account must be open and in good standing at the time account credit is awarded to receive the account credit. To qualify to get account credit, a purchase must be made with your BBVA ClearPoints Credit 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.