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  BBVA ClearPoints Credit Card

BBVA ClearPoints Credit Card

in Personal Credit Cards from BBVA

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BBVA ClearPoints Credit Card

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in Personal Credit Cards from BBVA

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Highlights
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.

Key Takeaways
  • 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 oods if your credit score is above650.
Pros & Cons of BBVA ClearPoints Credit Card
The Good The Bad
  • Select one category to earn 2x points on purchases.
  • Select one category to earn 3x points on purchases.
  • 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%.
BBVA ClearPoints Credit Card FAQ

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

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. It has lower than average regular APRs.

It 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.

BBVA ClearPoints Credit Card Balance Transfers
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?

BBVA ClearPoints Credit Card Purchase Intro Offer
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
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 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 customer service phone number for BBVA ClearPoints Credit Card?

The BBVA ClearPoints Credit Card customer service number is .

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 7 states
  • Alabama
  • Arizona
  • California
  • Colorado
  • Florida
  • New Mexico
  • Texas

Feature Breakdown

Every Purchase (Points) Earn unlimited points with 1 point for every $1 in purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 13 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $20
Late Fee Amount $27 - $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
No Reward Expiration Period
No Blackout Dates
Rewards Rates
  • Every Purchase
Signup Bonus Starting at $100
Cash Advance APR (Variable APR) 22.24% - 29.24%
Balance Computation daily balance.
Purchase APR (Variable APR) 11.24% - 29.24%
Balance Transfer Fee % After Intro Period 4%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 13 months
Balance Transfer APR (Variable APR) 11.24% - 29.24%
Balance Transfer Fee Minimum $10
Card Type
  • Rewards
Card Network Visa

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