BBVA
Compass ClearPoints
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Card review
Compass ClearPoints
BBVA
Last updated October 11, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$623/yr
Credit score
Varies
Top earn rate
3x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Compass ClearPoints from BBVA carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $622.80 in rewards plus $0.00 in credits and perks — $622.80 net per year before welcome bonuses.
How the points work
With BBVA Build Your Own Rewards, choose from a list of 10 predetermined categories to earn 3x unlimited points in one category and 2x unlimited points in another category. You also earn 1 point unlimited rewards in all other categories.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseMaintenance | 3× |
| GasGas | 3× |
| GroceriesGroceries | 3× |
| Everything elseUtilities | 3× |
| TravelTravel | 3× |
| Everything elseOffice expenses | 3× |
| Everything elseRetail | 3× |
| Everything elseHealth care | 3× |
| EntertainmentEntertainment | 3× |
| DiningDining | 3× |
| Everything elseAll Purchases | 1× |
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.