Kick Off This Year with Rewards


A credit card with no annual fee, plus perks

Looking for a credit card that offers it all? Open a new BBVA ClearPoints Credit Card, and you’ll enjoy no annual fee plus:

  • $100 Account Credit when you make $1,500 in Qualifying Purchases in the first 90 days of account opening.1
  • 0% Introductory APR for 13 months on purchases and on balance transfers made within 60 days of account opening; after that, a 12.24% to 30.24% variable APR.
  • Earn unlimited points with 1 point for every $1 in Qualifying Purchases, plus 2x and 3x points in purchase categories you select.2 Redeem points for account credit! 

Speak with us today to discover the great rates and rewards we may be able to offer you!


BBVA ClearPoints Credit Card with BBVA Points Program

Select your favorite bonus purchase categories2 each quarter with the Build Your Own Rewards℠ feature:

  • Select one category to earn 3 points per $1 on Qualifying Purchases3
  • Select one category to earn 2 points per $1 on Qualifying Purchases
  • Earn 1 point per $1 on all other Qualifying Purchases

Category selections must be made each quarter; otherwise, transactions will default to 1 point per $1 spent. Select your favorite categories now at BBVA Points Program.

clearpoints CC rewareds

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

APR, Terms, AND Fees

Take advantage of our introductory rates on purchases and balance transfers  

These terms are accurate as of March 6, 2020, 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 apply: Returned Check Fee – $25; Stop Payment Fee - $29, ($0 in Missouri and Pennsylvania); Expedited Delivery Fee - amount determined at time of request; Document Fees - up to $37 depending upon the item, ($0 in Missouri and Pennsylvania); 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; Return Payment Fee - $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,, 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.

1SPECIAL OFFER: $100 account credit offer not available to existing BBVA credit cardholders. Offer applies to accounts opened between 01/01/20 to 04/30/20. $1,500 in Qualifying 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. Please see below for the definition of "Qualifying Purchase."

2Bonus 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.   Final determination of which purchases qualify for bonus points is at the sole discretion of BBVA.  

3BBVA Points only accumulate on Qualifying Purchases. A "Qualifying Purchase” is any purchase made with your BBVA Visa 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, checks that access your credit card account (i.e. convenience checks, fees charged by us (such as annual fees, finance charges, and other related charges), purchases of gift cards, prepaid or reloadable cards, purchases of quasi-cash items (such as casino chips), cash equivalents, or payment instruments that can be readily converted to cash (such as travelers cheques, money orders, wire transfers, and similar products or services), adjustments made to your accounts, PIN based transactions.  It may take up to 45 days for bonus points to be awarded. Account must be in good standing to earn and redeem points.