BBVA ClearPoints Credit Card

BBVA ClearPoints Credit Card Review

This is a rewards credit card issued by BBVA. If you're wondering whether BBVA ClearPoints Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 13 months, which is longer than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 13 months.
• Signup bonus. Offers a signup bonus of $100 if you spend $1500 within 3 months.
• Competitive APRs. BBVA ClearPoints Credit Card has a variable purchase APR that ranges from 11.24% up to 29.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good

The Bad

Select one category to earn 2x points on purchases. Select one category to earn 3x points on purchases. Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 13 months. No balance transfer fee. 0% APR on new purchases during the first 13 months. No annual fee. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere BBVA ClearPoints Credit Card is accepted. BBVA ClearPoints Credit Card reports to multiple credit bureaus.

Charges a foreign transaction fee of 3%.

Does BBVA ClearPoints Credit Card have a cash back or rewards program?

BBVA ClearPoints Credit Card is a rewards card.

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BBVA ClearPoints Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus ($)	$100
Signup Bonus Spend Requirement	$1500
Signup Bonus Spend Period (months)	3 months

What are the BBVA ClearPoints Credit Card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for BBVA ClearPoints Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

BBVA ClearPoints Credit Card has a variable purchase APR that ranges from 11.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 11.24% up to 29.24%. It also has a variable cash advance APR that ranges from 22.24% up to 29.24%.

What are the fees for BBVA ClearPoints Credit Card?

The following fees apply:

• There is no overlimit fee

BBVA ClearPoints Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $20
Late Payment Fee	$27 - $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does BBVA ClearPoints Credit Card report your account activity to credit bureaus?

Yes, BBVA ClearPoints Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for BBVA ClearPoints Credit Card

• Visit the BBVA ClearPoints Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.