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BBVA Clear Points Card

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coldfusion
Credit Mentor

Re: BBVA Clear Points Card


@eastsea wrote:

Is BBVA inquiry sensitive?

 

It is my goal card and I just received a mailer with a bonus of $100 after I make $500 qualifying purchases and it sounds like a good deal.

 

But I have 3 inquiries on Experian (none on EQ or TU), and I wonder if that is too many for BBVA?   


This is a YMMV area, although I had a LOT more than 3 scoreable when I was preapproved/approved. 

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 11 of 73
M_Smart007
Legendary Contributor

Re: BBVA Clear Points Card


@ToxikPH wrote:

@JNA1 wrote:
I can’t answer your question because I live in a state that is in the geofence, but I can say I love the card. IDK if will let you check because you are not in state, but if it will let you do the prequal, it will show you the SL and APR before you actually apply.

https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised

Tried this in Colorado where I have a branch maybe 15 minutes from me and the pre-qual said the "product isn't available in this state" very strange.


@ToxikPH  ..You'll have to wait for the mailer .. forced GardeningSmiley Indifferent

Message 12 of 73
Anonymous
Not applicable

Re: BBVA Clear Points Card


@M_Smart007 wrote:

@ToxikPH wrote:

@JNA1 wrote:
I can’t answer your question because I live in a state that is in the geofence, but I can say I love the card. IDK if will let you check because you are not in state, but if it will let you do the prequal, it will show you the SL and APR before you actually apply.

https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised

Tried this in Colorado where I have a branch maybe 15 minutes from me and the pre-qual said the "product isn't available in this state" very strange.


@ToxikPH  ..You'll have to wait for the mailer .. forced GardeningSmiley Indifferent


Interesting. I assume I will probably see another one sometime as I thnk I recycled mine earlier. Didn't realize this was a rare thing. I too ran into the geofence when trying the prequal. 

Message 13 of 73
ToxikPH
Established Contributor

Re: BBVA Clear Points Card


@Anonymous wrote:

@M_Smart007 wrote:

@ToxikPH wrote:

@JNA1 wrote:
I can’t answer your question because I live in a state that is in the geofence, but I can say I love the card. IDK if will let you check because you are not in state, but if it will let you do the prequal, it will show you the SL and APR before you actually apply.

https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised

Tried this in Colorado where I have a branch maybe 15 minutes from me and the pre-qual said the "product isn't available in this state" very strange.


@ToxikPH  ..You'll have to wait for the mailer .. forced GardeningSmiley Indifferent


Interesting. I assume I will probably see another one sometime as I thnk I recycled mine earlier. Didn't realize this was a rare thing. I too ran into the geofence when trying the prequal. 


I would assume it's just a prequal bug? I feel like I could easily run to the branch near me and apply but doubt I could do a prequal in person.

Message 14 of 73
JNA1
Valued Contributor

Re: BBVA Clear Points Card

@eastsea

I got got approved for $15,300 @ 16.49% with 9 INQ on Experian, so for me, not at all.
Our credit card journey started 3/2018


Hover over cards to see limits and usage. Total CL - $608,600. Cash Back and SUBs earned as of 5/31/24- $21,590.43
CU Memberships

Goal Cards:

Message 15 of 73
UncleB
Credit Mentor

Re: BBVA Clear Points Card


@ToxikPH wrote:

@Anonymous wrote:

@M_Smart007 wrote:

@ToxikPH wrote:

@JNA1 wrote:
I can’t answer your question because I live in a state that is in the geofence, but I can say I love the card. IDK if will let you check because you are not in state, but if it will let you do the prequal, it will show you the SL and APR before you actually apply.

https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised

Tried this in Colorado where I have a branch maybe 15 minutes from me and the pre-qual said the "product isn't available in this state" very strange.


@ToxikPH  ..You'll have to wait for the mailer .. forced GardeningSmiley Indifferent


Interesting. I assume I will probably see another one sometime as I thnk I recycled mine earlier. Didn't realize this was a rare thing. I too ran into the geofence when trying the prequal. 


I would assume it's just a prequal bug? I feel like I could easily run to the branch near me and apply but doubt I could do a prequal in person.


You should be fine applying in-branch.  I can't put my finger on the post, but IIRC someone posted a while back that BBVA can check for prequals in-branch as well (although for unknown reasons it didn't work for the person who made the post).

Message 16 of 73
Anonymous
Not applicable

Re: BBVA Clear Points Card


@ToxikPH wrote:

@JNA1 wrote:
I can’t answer your question because I live in a state that is in the geofence, but I can say I love the card. IDK if will let you check because you are not in state, but if it will let you do the prequal, it will show you the SL and APR before you actually apply.

https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised

Tried this in Colorado where I have a branch maybe 15 minutes from me and the pre-qual said the "product isn't available in this state" very strange.


I used the prequal tool awhile back and I believe it only works for AL, TX, and I think FL. 

Message 17 of 73
Anonymous
Not applicable

Re: BBVA Clear Points Card


@M_Smart007 wrote:

@ToxikPH wrote:

@JNA1 wrote:
I can’t answer your question because I live in a state that is in the geofence, but I can say I love the card. IDK if will let you check because you are not in state, but if it will let you do the prequal, it will show you the SL and APR before you actually apply.

https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised

Tried this in Colorado where I have a branch maybe 15 minutes from me and the pre-qual said the "product isn't available in this state" very strange.


@ToxikPH  ..You'll have to wait for the mailer .. forced GardeningSmiley Indifferent


Nope. Just go in the branch or call them. 

Message 18 of 73
NoMoreE46
Community Leader
Senior Contributor

Re: BBVA Clear Points Card

Good to know about the certainty.
I kinda like this as an every day carry card where you get to select your 3 and 2% categories. Received about eight of these mailers since last spring or so but have held off as I have been eyeing the PNC Cash Rewards as an every day card also.

I just got another mailer today. Willing to guess that BBVA continues it's mailers given that SunTrust has merged into BBandT - aka Truist. (In Florida where both BBVA and Truist have branches.)


Message 19 of 73
JNA1
Valued Contributor

Re: BBVA Clear Points Card


@NoMoreE46 wrote:
Good to know about the certainty.
I kinda like this as an every day carry card where you get to select your 3 and 2% categories. Received about eight of these mailers since last spring or so but have held off as I have been eyeing the PNC Cash Rewards as an every day card also.

I just got another mailer today. Willing to guess that BBVA continues it's mailers given that SunTrust has merged into BBandT - aka Truist. (In Florida where both BBVA and Truist have branches.)



I use this card for 3% utilities, 2% retail in conjunction with the PNC Cash Rewards 4% gas, 3% restaurants, AMEX BCP 6% groceries, Disco 5% rotating, and PayPal Mastercard flat 2% for everything else. The ClearPoints and the PNC card's rewards post very quickly, and the BBVA online site and phone app are nice. I like the ClearPoints so much that I'm considering getting the BBVA Rewards 2% flat card later to replace the PPMC unless I can secure one of the 2.5% flat cards. I was prequalified for both before I applied. I think I have to wait 6 months after I got the ClearPoints card to get another BBVA cardIMG_5261.jpgIMG_5260.PNG

Our credit card journey started 3/2018


Hover over cards to see limits and usage. Total CL - $608,600. Cash Back and SUBs earned as of 5/31/24- $21,590.43
CU Memberships

Goal Cards:

Message 20 of 73
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