The BBVA ClearPoints Credit Card has an offer for $100 bonus cash when you spend $1,500 within the first 90 days. Although not the best bonus around, it’s a decent one for a no-annual-fee card. See our list for more spending credit cards such as the Chase Freedom card.
The BBVA ClearPoints card has the BBVA Build Your Own Rewards feature. It lets you choose one category that earns triple points and another category that earn double points. All other spending will yield one point for every dollar.
Unfortunately, there’s a catch. Eligibility is very limited because the card is only available to residents of seven states (more on that later).
*Check out BBVA Bank bonuses for Checking & Savings accounts.
BBVA ClearPoints Card $100 Bonus Cash Offer
Take advantage of the BBVA ClearPoints card’s $100 bonus cash offer. To qualify, charge at least $1,500 to your card within the first 90 days of opening your account.
Here are some ideas on meeting the spending requirement.
Earning BBVA Points Rewards
As part of BBVA’s Build Your Own Rewards program, BBVA Select lets you customize your card’s rewards structure. It earns:
- Unlimited three points for every $1 in one spending category of your choice.
- Unlimited two points for every $1 in another spending category of your choice.
- Unlimited one points for every $1 spent on all other purchases.
Eligible categories you can choose from includes:
- Health Care
Bonus categories aren’t fixed. Adjust your 3x and 2x categories as often as once per quarter.
Redeeming Points Rewards
Unlike other rewards cards, the value of your points stay constant, at around $0.01 apiece, no matter how you use them. When it comes time to redeem your points, you have plenty of options, including:
- Statement credits
- Gift cards
If you use your points for statement credits, you must redeem at least 2,500 points (or $25) at a time.
*Points expire 36 months from the date they were earned.
BBVA ClearPoints Card Availability
The BBVA ClearPoints card is only available to those who live near a BBVA Bank. That includes residents of:
- New Mexico
Otherwise, you’ll want to consider other credit cards that are available nationwide.
The BBVA ClearPoints credit card walks the fine line between low cost, choice and flexibility. It lets you choose your bonus categories. So if you pick wisely every quarter, you’ll end up with big returns.
But if choosing the “right” bonus categories stresses you out, you’ll want to opt for a card with fixed ones instead.
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