BBVA Compass ClearPoints Credit Card

BBVA ClearPoints Credit Card
Purchases Intro APR:
0% for 6 months
Balance Transfers:
0% - 3.99% for 12 months
Regular APR:
9.49% - 23.49% (variable)
Annual Fee:
No annual fee
Credit Needed:
Good / Excellent
$0 Fraud Liability: 
Yes

Only Takes 2 Minutes

Instant & Secure Online Approval Process

• Introductory Purchase APRs
• Introductory Balance Transfer APRs
• No annual fee
• CompassPoints® rewards program
The BBVA Compass ClearPoints® card offers a competitive rate, easy-to-use rewards and more perks.
• No Annual Fee – You pay no annual fee with the BBVA Compass ClearPoints credit card.
• CompassPoints Rewards Program – With Build Your Own Rewards, choose how you earn up to 3x points in categories you select. CompassPoints are redeemable for account credit.
• Free Enrollment – As a ClearPoints cardholder, you are automatically enrolled to earn CompassPoints at no additional charge.
• Multiple Payment Options – You can pay by mail, automatic debit, Online Banking, or in a branch.
• E-mail Alerts – Sign up for convenient alerts through email for payment notices, balances, and more.
• Download BBVA Wallet1 – Redeem your rewards in real-time at any merchant.
Visa Zero Liability†
• This policy guarantees that, when you're a Visa cardholder, you will not be held responsible for fraudulent charges.
Visa's Zero Liability* Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.

Visa's Zero Liability Policy does not apply to Visa corporate or Visa purchasing card or account transactions, or any transactions that are not processed by Visa. For specific restrictions, limitations and other details, please consult your issuer. Get more at Visa.com


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% introductory APR for thirteen months.
After that, your APR will be 12.49% to 30.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0% introductory APR for thirteen months for balance transfers made within 60 days of account opening.
After that, your APR will be 12.49% to 30.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 23.49% to 30.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest on purchases, the charge will be no less than $1.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
Cash Advance
Either $10 or 4% of the amount of each cash advance, whichever is greater
Balance Transfer
Either $10 or 4% of the amount of each transfer, whichever is greater
Foreign Transaction
3% of each transaction in U.S. dollars
Penalty Fees
Late Payment
Up to $37
Returned Payment
Up to $27