2nd BBVA Credit Card?

[pinkandgrey]

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@Gmood1 wrote:
Yes I have two cards with them. I have a pre-approved offer for a third through my BBVA web account.

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Yeah I was pretty sure it was the Good1 that had two lol

[Gmood1]

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@pinkandgrey wrote:

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@Gmood1 wrote:
Yes I have two cards with them. I have a pre-approved offer for a third through my BBVA web account.

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Yeah I was pretty sure it was the Good1 that had two lol

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lol @pinkandgrey !!

[UpperNwGuy]

Why do you want two BBVA cards?  They are not best in class credit cards.

[forestgreenrover]

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@UpperNwGuy wrote:

Why do you want two BBVA cards?  They are not best in class credit cards.

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Well, OP said they are happy, as are a growing number of us here, with BBVA. So there's that. 

[Anonymous]

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@UpperNwGuy wrote:

Why do you want two BBVA cards?  They are not best in class credit cards.

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They’re incredibly flexible cards. If I had two ClearPoints cards, I could have 3% on two categories of my choice and still have each card have a 2% backup category which could make it easier to cut down on the cards I carry. 

Also BBVA’s cards have no reward caps right now and they have very broad categories. 

If I ever lose my PayPal card or get fed up with no alerts of any kind, I’ll get a BBVA checking and their 2% on everything card. 

They also are easy to qualify for 13 month 0% intro cards for purchases you need to carry for awhile, something a lot of people value more than rewards. 

[Anonymous]

HI Saeren,

Is that what BBVA told you? 6 months?

[DaveInAZ]

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@UpperNwGuy wrote:

Why do you want two BBVA cards?  They are not best in class credit cards.

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Their Clear Points Visa lets you select one category for 3% cashback and another for 2%, all others 1%, and there 5-6 categories including groceries, gas, dining, travel, etc. If you two had 2 Clear Point cards you'd have two 3% categories & two 2% categories. Or their Rewards card is a 2% cashback on all purchases if you have a $500+ direct deposit into their bank account, if not it's a 1.5% card. Maybe not 'best in class' but pretty good. I'm happy with my Clear Points card as I finally have a 3% at Walmart card (my store codes as groceries), take that Amex BCE.

[Anonymous]

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@Anonymous wrote:
HI Saeren,

Is that what BBVA told you? 6 months?

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No, I heard that’s when pre-approvals show up if you have a checking with them too. 

I wouldn’t ever trust anything a BBVA rep tells you. They may have great cards but customer service is another story. I had one rep tell me that you can ask for CLIs any time and it’s a SP which is actually 6 months and a HP and another rep told me that my card wouldn’t report to the credit bureaus until two statements had elapsed so I budgeted according to that info and they reported the card three weeks after my first statement which spiked me to 20% utilization and came with a score penalty. 

I won’t deal with them unless I have to but the card is exclusively used for utilities and my Hulu $.99 recurring charge so it’s pretty automated. 

[Anonymous]

Ok... got it.
Thank you for the response and info!

[JaseT]

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@Anonymous wrote

If I ever lose my PayPal card or get fed up with no alerts of any kind, I’ll get a BBVA checking and their 2% on everything card. 

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I received a preapproval from BBVA for the Rewards card when I opened my checking account, but the wording on the rewards structure didn't sound as easy as the PayPal CB card, so I didn't accept the offer.

"BBVA Compass Rewards Program: BBVA Compass Rewards Cards automatically earn 1.5 Base Points per $1.00 of net purchases. In addition to Base Points, BBVA Compass Rewards Cardholders can earn Relationship Rewards Bonus Points at a rate of one half (0.5) point for each $1.00 of net purchases (for a total of 2 points per $1.00). To be eligible for Relationship Rewards Bonus Points, you must receive direct deposits (from third parties) totaling $1,000.00 or more in a calendar month to your BBVA Compass consumer checking, savings or money market account. Eligibility for Relationship Rewards Bonus Points is assessed monthly, and Relationship Rewards Bonus Points will be applied to purchases made the following month with your BBVA Compass Rewards Card."