BBVA Compass ClearPoints Credit Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: VISA
Points - Generic
| Initial Bonus None |
Base Earn 1 point / $1 |
Max Earn 1 point / $1 |
Earn / Redeem Limit No |
- Earn 1 point for every $1 in purchases.
- Redeem points for name brand merchandise, account credits, gift cards and exciting travel options.
| Intro Rate 0% |
Intro Period 6 months |
Regular Rate 9.24% - 23.24% |
| Intro Rate0% - 3.99% | Intro Period12 months | Regular Rate9.24% - 23.24% | Balance Transfer Fee 4% |
| Cash Advance Rate 22.24% - 27.24% |
Cash Advance Fee 4% (min $10) |
- Interest rate terms that will never change.
- No unexpected charges.
- No annual fee.
- Online account access.
- Max Late Fee: $35
- Max Overlimit Fee: $35
- Max Penalty APR: None
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: 3%
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The card information shown on this page was last updated: May 17th, 2012 at 3:01 EDT
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Trying to decide whether the BBVA Compass ClearPoints Credit Card is right for you? Well, the only compass that will truly point you in the right direction is an evaluation of the cards terms in light of what the competition has to offer. So, I guess I’ll play compass for a minute. Starting with rewards, the BBVA Compass ClearPoints Credit Card gives you 1 point for every $1 you spend. Unfortunately, this is basically the bare minimum a rewards card can offer, so the ole compass is pointing away from the BBVA Compass ClearPoints Card right about now. You can’t always get an accurate reading at first glance though, so why don’t we see what kind of interest rates it has to offer. Well, it does offer 0% on purchases for six months, which is on the low end of the 0% spectrum but is still better than all those cards out there that do not offer a low intro rate. The BBVA Clear Points Card also advertises an introductory balance transfer interest rate of 0% - 3.99% for 12 months. Aside from the fact that only the people with the best possible credit are likely to get the 0% rate, the card also has a 4% balance transfer fee. Overall, the BBVA Compass Card’s balance transfer offer is therefore not very attractive because there are cards out there that offer guaranteed 0% intro rates for longer and do not charge a balance transfer fee. So, that brings us to your alternatives since the BBVA Compass ClearPoints Credit Card would clearly just lead you astray. As far as rewards are concerned, my favorite cards are the Chase Sapphire Preferred (excellent initial bonus), the Cap One Venture Card (travel oriented 2% cash back card), and the Blue Cash Everyday from Amex (great rewards on everyday expenses). In terms of cards with the best rates, the No Balance Transfer Slate Card from American Express is the way to go since it offers 0% on purchases and transfers for 15 months and does not charge you a fee for transferring a balance. Oh, and you’ll be able to get any of these cards with the excellent credit required for approval for the ClearPoints Compass Credit Card.