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Purchase APR (Variable APR) | 11.24% - 29.24% |
Balance Transfer APR (Variable APR) | 11.24% - 29.24% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
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 $1500 within 3 months.
- Competitive APRs. BBVA ClearPoints Credit Card has a variable purchase APR that ranges from 11.24% up to 29.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
The Good | The Bad |
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Does BBVA ClearPoints Credit Card have a cash back or rewards program?
BBVA ClearPoints Credit Card is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 3x |
Annual rewards limit | N/A |
Signup Bonus ($) | $100 |
Signup Bonus Spend Requirement | $1500 |
Signup Bonus Spend Period (months) | 3 months |
Does BBVA ClearPoints Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $100 after spending $1500.
Does BBVA ClearPoints Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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%.
Does BBVA ClearPoints Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 13 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | 4% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 13 months |
Balance Transfer APR | 11.24% - 29.24% |
Balance Transfer Fee Minimum | $10 |
Does BBVA ClearPoints Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 13 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 13 months.
What are the fees for BBVA ClearPoints Credit Card?
The following fees apply:
- There is no overlimit fee
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 have a foreign transaction fee?
BBVA ClearPoints Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the support contact email for BBVA ClearPoints Credit Card?
The support contact email for BBVA ClearPoints Credit Card is abuse@bbvausa.com.
How do people rate the customer service and user experience of BBVA ClearPoints Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
5 20th St S
Suite 1501
Birmingham, AL 35233 - Visit Site
- Email Support
Other Services by BBVA
Availability
- Alabama
- Arizona
- California
- Colorado
- Florida
- New Mexico
- Texas
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 13 months |
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