BBVA ClearPoints


BBVA Clear Points Credit Card


Annual Fee














APR (Interest Rate)


Customer Support



  • Awesome rewards points opportunities.
  • You can select purchase category for x3 and x2 rewards points.
  • Good promotions and services are available.
  • Min APR is low.
  • 13 months 0% APR.
  • You don't need to pay annual fee.
  • Good for balance transfer.
  • Rewards are unlimited.


  • Max APR is high. You should think twice if you don't have excellent credit history.


You can find detailed information on BBVA ClearPoints credit card below with our review. You can also leave a review at the bottom of the page and tell your thoughts and experiences about the card.

BBVA ClearPoints Rewards

BBVA Clear Points is a no interest credit card which will also give you various rewards. You can pick the purchase category for your x2 and x3 rewards. Besides you will able to earn x1 rewards for rest of your purchases. You can learn more about those rewards from the card page of BBVA.

There are ten categories that you can pick for purchases. These are general categories that you can pick and this option can be quite profitable for you. You need to select a category for the each quarter of the year. If you don’t select reward categories, you are going to earn 1x for your purchases. So don’t miss the opportunity.

APR and Bonus

There is no bonus for BBVA Clear Points.

Minimum APR for the card is 13.24%. This is a good rate for those who have excellent credit score. However maximum APR of the card is too high. It is 31.24%. No APR for 13 months is a good opportunity for people. Cash Advance fees are also high with 24.24% – 31.24% rates at the moment.

It seems you need really a good credit history for a better APR. If your Purchase and Transfer APR is higher than 20, this card can be a serious problem for you about 13 months later.


There is no annual fee of the card and this is making this card valuable. We believe that rewards card with no annual fees are one of the best opportunities for consumers.

If you are purchasing from foreign shops/online stores, there is a downside of this card for you. You will need to make 3% more payment on foreign transactions. If you don’t have purchases from abroad very often, you can ignore this fee.

Cash Advance fee and balance transfer fee for the card is 4% and this is average. However minimum payment fee is $10 and this is too much for the card.


This is short-term good card if you get high interest card. However if you manage to get low APR which is lower than 18% and if you pick correct categories for rewards this card can be very profitable for you in long-term.

BBVA ClearPoints Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 13 first months

Regular 13.24 – 31.24%

Regular: 1 – 2 – 3

You pick a purchase category for 2x and 3x rewards. Rest of purchases are 1x.

None 3% $37 $10 or 4% 24.24% – 31.24% $10 – 4% 0% for 13 first months

Regular: 13.24 – 31.24%

FTF: Foreign Transaction Fee

BBVA ClearPoints Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 222 200 100
No Annual 183 166 60
Rewards 236 189 64
Balance Transfer 185 226 50

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Originally posted 2018-12-14 22:47:52.


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