BBVA Compass ClearPoints Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The BBVA Compass ClearPoints Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateBalance transfer feeForeign feeRequires excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the BBVA Compass ClearPoints Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-558-8472, Ext.
BBVA Compass ClearPoints Credit Card has a rating of 3.7/5 according to our proprietary credit card rating system. This rating reflects how appealing BBVA Compass ClearPoints Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, BBVA Compass ClearPoints Credit Card earned a score of 4.0/5 for Fees, 5.0/5 for Rewards, 3.7/5 for Cost, 3.7/5 for APR, and 2.8/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
2.8/5
180 reviewsRead and write reviews
Market Comparison
Market Comparison
3.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.0
Rewards
5.0
Cost
3.7
APR
3.7
3.8/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 13 months, 11.24% - 29.24% (V) APR after that
Balance Transfer
0% intro APR for 13 months, 11.24% - 29.24% (V) APR after that
Balance Transfer Fee:4% (min $10)
Rewards
Get a $100 account credit when you make $1,500 in purchases in the first 90 days of account opening.
Choose from a list of 10 predetermined categories to earn 3x unlimited points in one category and 2x unlimited points in another category.
Category selections must be made each quarter; otherwise, transactions will default to 1 point per $1 spent.
You also earn 1 point unlimited rewards in all other categories.
Rewards Points are redeemable for account credit.
BBVA Compass ClearPoints Credit Card's Additional Info
BBVA credit cards are only available to residents of Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas
0% Intro APR for 13 months on balance transfers requested within 60 days of account opening.
Use BBVA Wallet to manage your credit cards from the convenience of your mobile device and redeem your rewards in real-time at any merchant.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
2.8
Market Comparison
3.8
fees: 4.0
rewards: 5.0
cost: 3.7
APR: 3.7
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.2
Market Comparison
4.1
fees: 1.3
rewards: 4.7
cost: 4.6
Other Features: 5.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.8
Market Comparison
4.3
fees: 1.3
rewards: 4.7
cost: 5.0
Other Features: 5.0
(180)
(339)
(751)
annual fee$0
annual fee$795
annual fee$895
Purchase Intro APR0% for 13 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
transfer intro apr0% for 13 months|Transfer Fee:4% (min $10)
transfer intro aprNot Offered
transfer intro aprNot Offered
Regular APR11.24% - 29.24% (V)
Regular APR19.49% - 27.99% (V)
Regular APRSee Pay Over Time APR
rewards rate 1 - 3 points / $1
rewards rate 1 - 8 points / $1
rewards rate 1 - 5 points / $1
bonus offer$100
bonus offer 150,000 points
bonus offer As High As 175,000 points. Find Out Your Offer.
Can't find what you are looking for? Submit your question about BBVA Compass ClearPoints Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The starting credit limit for the BBVA Compass ClearPoints Credit Card was anywhere between $2,000 and $7,500, according to cardholder reports. There was no specific starting credit limit included in the card's terms. However, the BBVA Compass ClearPoints Credit Card is no longer available to new applicants.
BBVA Compass ClearPoints Credit Card points could be redeemed online, through the BBVA Rewards website, or they could be redeemed using the BBVA Wallet mobile app. However, following BBVA's merger with PNC Bank, the card has been discontinued and is no longer available.
If you're looking for a new credit card that rewards you with points for purchases, check out the best points credit cards picked by our editors, to explore available options.
Yes, BBVA Compass ClearPoints Credit Card was a good card. The card offered an introductory APR of 0% for 13 months on purchases and balance transfers.
The BBVA Compass ClearPoints Credit Card also offered an initial bonus of $100 for spending $1,500 on purchases within 90 days days. However, this card is no longer available to new applicants.
If you are looking for a similar credit card, you can check out our editors' latest picks for the best credit cards for excellent credit to weigh your options.
You cannot apply for the BBVA Compass ClearPoints Credit Card right now, because applications for the card are no longer open at this point in time. The BBVA Compass ClearPoints Credit Card has been unavailable to new applicants. However, there are other cards available from PNC Bank that you can apply for online and in person.
Similar Cards to the BBVA Compass ClearPoints Credit Card You Can Apply For
The BBVA Compass ClearPoints Credit Card's intro APR offer is 0% for 13 months for purchases, and 0% for 13 months for balance transfers.
This means that you won't be charged interest for your purchases or balance transfers made during this period. That being said, the BBVA Compass ClearPoints Credit Card is ideal for financing a bigger purchase, or for transferring a balance from a credit card with a higher APR.
Yes, you can use your BBVA Compass ClearPoints Credit Card anywhere Visa is accepted. This means it can be used in more than 10.7 million locations in the U.S. alone, but also in more than 200 countries worldwide. Just keep in mind the 3% foreign transaction fee when using your card abroad or for international online purchases.
You can request a BBVA Compass ClearPoints Credit Card credit limit increase by calling customer service at 1 (800) 239-5175. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income BBVA has on file. BBVA will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
Share your insights and review for the BBVA Compass ClearPoints Credit Card
5
7%
4
9%
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2
13%
1
14%
2.8
180 reviews
180 reviews
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christopherc_490 @christopherc_490
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1 Star Rating
Verified Customer
I have 17 credit cards. BBVA is the worst. It isn’t even close. Absolutely abysmal customer service. Customer service number always a 30 min wait and agents never speak English a first language. Want your hair to turn grey? Go with BBVA!
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Nancy @nancyh39
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1 Star Rating
Verified Customer
This used to be a BBVA ClearPoints Card but PNC bought BBVA and they are changing me to their Points Signature Visa Card even though I asked for their better cash rewards card (told me I would need to apply again to get the one I want). The BBVA card was 3% cash back on most of my purchases plus they sent me really nice bonus offers. The PNC card gives you lots of points but the points are virtually worthless. I don’t need 1/4 of 1 cent per dollar spent rewards card. I don’t even like points cards (The BBVA one was named clearpoints but you could get cash back). I’m going to buy something for about 25 cents a month to keep the card open so I don’t lose the account but that’s it. I’m also closing my soon to be transferred over checking and savings account with PNC. BBVA’s accounts were free but not PNC. Very bad first impression.
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2
0
Tracy Lee @stabei46
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1 Star Rating
No way to report fraud after hours (after calling numerous contact numbers I got an agent who transferred me back to the automated phone tree). Points expire after a year so it is hard to redeem if this is not your primary card.
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1
0
Gabriel Liberman @gabexus
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1 Star Rating
This company simply provides the worst customer service of any company I have ever interacted with. As well, they charge very high fees, such as $37 per statement if you would like a simple copy of any statement older than 36 months and $22-$27 for statements between 12 and 36 months old. All other credit card companies offer free copies of statements from almost any time period.
The poor reviews I've read here are accurate. While they do offer credit cards at competitive rates, the customer service agents are rude, vague, uncaring and incompetent; they offer inaccurate information which changes from agent to agent. I've also been told a "manager" would call me back to resolve my issue at least 5 times, as the manager is in a "meeting" and can't speak with me at the moment. I have not once received a phone call from any "manager." In addition, there seems to be no complaints department, as I was once transferred there, only to find myself at a strange computerized menu which was meaningless. Another time when I was "transferred," I was out on hold for 45 minutes before hanging up.
In sum, this company offers barebones service for a competitively rated card. Their service department is pathetic, and if you do have an issue, it will NEVER be resolved. I would advise to go with a different card - stay away from this one. It really is not worth it.
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2
0
casshenry99 @casshenry99
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1 Star Rating
The card itself isn't bad. However, the customer service is AWFUL. When I call the general phone number on the back of the card, I get put on a long hold if i don't opt into the survey. And then they almost always transfer me to the fraud department where I'm on hold for a minimum of 45 min. I got told my card would be unblocked after a 10 day period and that has not happened. So I am again getting bounced around between people and on hold forever. Also, the recording talks about how they have an award winning app, but I think the app is awful and confusing to navigate.
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1
0
wakelly1 @wakelly1
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1 Star Rating
Verified Customer
Not good was approved for the card in Feb. 2021 an here is March an no card called 3 times and got the same answer it is in the mail no one can speak English when you call so that tells you all what is going on
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2
0
toshamailbox_home @toshamailbox_home
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2 Star Rating
Exceptionally bad and unprofessional customer service. Always paid my balance in full, never missed a payment, except one single time when the statement was lost in the mail due to COVID. Contacted them as soon as I realized I had missed a payment (there was never a courtesy call, text or email notification of the past due balance). I was willing to pay the balance right then, was promised the late fee would be reversed, which never has happened. The representatives were rude and seemed incompetent. Bad experience overall. There are plenty of other decent credit card companies with similar or better rewards programs, no need to be subjected to this.
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2
0
bombaycafefairfax @bombaycafefairfax
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1 Star Rating
I wish they had a no star rating. One hour plus on hold every time there was an issue requiring phone contact.
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1
0
bombaycafefairfax @bombaycafefairfax
Having me on the phone with nothing to do, forcing me to do this review. And I do not do do reviews for anything in general! They're good at getting a review out of you.
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0
0
Tom Flynt @pkushlian
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1 Star Rating
Over the phone customer service is God awful. The rudest most unprofessional people I have ever experienced. After being on hold for about an hour, the customer representative hung up on me. When I called back the recording told me they were closed, very unprofessional not wanting to help at all. STAY AWAY FROM THESE GUYS NOT WORTH IT!
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5
1
leadout123 @leadout123
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1 Star Rating
Has to be the absolute worst customer service department. My card was blocked while traveling. I spent 1 hour an 38 minutes of aggregated time on hold, over three separate attempts, trying to get the block cleared. Still no resolution. The value of a card company is not the card or line of credit, they alll do that. The value is in in having a strong customer relations department that can resolve the occasional issues. BBVA does not have that.
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