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BBVA Compass Select Credit Card Review

BBVA Compass Select℠ Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
The BBVA Compass Select Credit Card is a rewards credit card that is offered by BBVA Compass. The card offers custom rewards program where you can choose shopping categories in which you will earn more rewards. The BBVA Select card also offers a large sign-up bonus and an anniversary bonus.

The card can be a good travel companion as it is loaded with travel benefits and gives a complementary Hertz Gold Plus Membership, which gives access to additional discounts and free rental days.

In short, BBVA Select card is a great general cash back card that can become your primary credit card or a travel companion.

BBVA Compass Select Credit Card Details

CARD DESCRIPTION:

  • Customizable CompassPoints with BBVA Compass Build Your Own Rewards: Choose one category (e.g. Airlines) to earn 3x the points.118
  • Choose 2 categories (e.g. Dining & Hotels) to earn 2x the points.118
  • Earn 1 point per $1.00 spent on all other qualified purchases.118

AVAILABLE REWARDS

Max. Rewards: Choose one category (e.g. Airlines) to earn 3x the points.118
Sign-up Bonus: 20,000 bonus points with $2,000 in purchases in the first 90 days of account opening.118

RATES & FEES

Purchase Intro APR: See terms
Purchase Regular APR: See terms
Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater118
Cash Advance Regular APR: See terms
Balance Transfer Intro APR: n/a118
Balance Transfer Regular APR: n/a118
Balance Transfer Fee: 4%118
Annual Fee: $0 for the first year your account is open, then $125 each year thereafter.118

BBVA Compass Select Credit Card Benefits

The BBVA Compass Select Credit Card offers custom rewards with additional benefits. You may earn more than $1,000 in value during the first year your account is open.

Customizable CompassPoints is a terrific feature that allows you to choose a reward category that will earn 3x, and 2x pints per dollar spent. The rewards categories are office supplies, restaurants, and travel for 3x points; and gas purchases, home improvement, and utilities for 2x points. All other categories earn 1 point per dollar. These are regular rewards, but the card also comes with bonus offers. The sign-up bonus offer allows to earn 20,000 bonus points, provided you spend $2,000 in purchases in the first three months of account opening. Also, you can earn additional bonus of 1,000 points each month if you hit the $5,000 monthly spending limit. And there is a first-year bonus of $100 account credit, which you will get if you make $20,0000 in purchases during the first year.

BBVA Compass Select Credit Card Drawbacks

The interest rate is not super high but still it is not low for a credit card offered to people with established credit. The annual fee for the card is $125, which is rather high if you are not a big spender. The fact that the annual fee is waived for the first year is not of a big help as well. Also, you should be a heavy spender if you want to reap maximum rewards.

Another thing you won't like about this card is that the points can actually expire. The points expire after 3 years if the card isn't active. But that is not of a big deal if it is your primary credit card. Another problem with points is that they are not transferable. You will need to go to the BBVA redemption center to redeem them.

Contact Information

TELEPHONE

1-866-681-0484

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