Optimizer Credit Card is a credit product of BBVA Compass. This card is for credit rebuild and improve the credit history. It is also good for bad credits and building credit.
Optimizer Credit Card has 20.24% APR for balance transfer and purchases. Cash Advance APR is 29.24%. The annual fee for the card is $40. Cash Advance and Balance Transfer fees are reasonable. It is 4% at the moment. The late payment is $27 maximum and foreign transaction fee is 3%
Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
Regular: 20.24%
None
$40
%3
$37
$10 or 4%
29.24%
$10 – 4%
Regular: 20.24%
FTF: Foreign Transaction Fee
Editor Scores
Type of Card
Editor Score
Overall Score
Total Cards
General
139
200
100
Credit Builder
110
127
10
For Bad Credits
153
165
10
No Credit History
160
168
10
You can also see optimizer card reviews by users below.
BBVA Select Credit Card is one of the other awesome products of BBVA. However, this card is only available for Texas, Alabama, Florida, New Mexico, California, Arizona, and Colorado. If you are living out of those states, you can also check alternative options of BBVA.
You can select your purchase category for rewards and you can start to earn 3x and 2x rewards. If you spend $5000, you are going to earn 1000 rewards points bonus as an additional bonus. There is no limitation at gaining rewards points with BBVA Select Credit Card.
The low-interest option of the card is also very attractive for consumers. Minimum APR is 15.24% and the maximum APR is 19.24%. Besides, you will not need to pay for foreign transaction fees. The card has a $125 annual fee. However, you will not pay it in the first year.
4% Cash Advance and Balance Transfer fees are good. Cash Advance APR rate is also very low: 24.24%.
Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
Regular: 15.24% – 19.24%
Regular: 1 – 2 – 3
You pick a purchase category for 2x and 3x rewards. Rest of purchases are 1x.
Bonus: Earn 1000 rewards points every month for $5000 purchase.
Earn $100 for qualifying purchases which is worth $20000.
First year: 0$
Regular: 125$
None
$37
$10 or 4%
24.24%
$10 – 4%
Regular: 15.24% – 19.24%
FTF: Foreign Transaction Fee
Editor Scores
Type of Card
Editor Score
Overall Score
Total Cards
General
219
200
100
Rewards
243
189
64
Low Interest
170
173
24
No Foreign Transaction
180
178
40
You can also learn more with read user reviews below. You can also add your reviews for this credit product too.
You can find detailed information on BBVA ClearPoints credit card below with our review. You can also leave a review at the bottom of the page and tell your thoughts and experiences about the card.
BBVA ClearPoints Rewards
BBVA Clearpoints is a no-interest credit card which will also give you various rewards. You can pick the purchase category for your x2 and x3 rewards. Besides, you will able to earn x1 rewards for the rest of your purchases. You can learn more about those rewards from the card page of BBVA. When you open a BBVA ClearPoints Credit Card, you automatically start earning rewards with your first purchase!
There are ten categories that you can pick for purchases. These are general categories that you can pick and this option can be quite profitable for you. You need to select a category for each quarter of the year. If you don’t select reward categories, you are going to earn 1x for your purchases. So don’t miss the opportunity.
APR and Bonus
There is no bonus for BBVA Clear Points.
The minimum APR for the card is 13.24%. This is a good rate for those who have an excellent credit score. However, the maximum APR of the card is too high. It is 31.24%. No APR for 13 months is a good opportunity for people. Cash Advance fees are also high with 24.24% – 31.24% rates at the moment.
It seems you need really a good credit history for a better APR. If your Purchase and Transfer APR is higher than 20, this card can be a serious problem for you about 13 months later.
Fees
There is no annual fee of the card and this is making this card valuable. We believe that rewards card with no annual fees is one of the best opportunities for consumers.
If you are purchasing from foreign shops/online stores, there is a downside to this card for you. You will need to make 3% more payment on foreign transactions. If you don’t have purchases from abroad very often, you can ignore this fee.
Cash Advance fee and balance transfer fee for the card is 4% and this is average. However, the minimum payment fee is $10 and this is too much for the card.
Thoughts
This is a short-term good card if you get a high-interest card. However, if you manage to get low APR which is lower than 18%, and if you pick correct categories for rewards this card can be very profitable for you in the long-term.
How do I redeem my BBVA Compass points?
Redeem via the rewards website, which can be accessed via Online Banking or the Mobile Banking App. Call the rewards center at 1-844-285-8383. Redeem rewards in real-time, up to the amount of the transaction, when you set-up Mobile Banking transaction alerts.
BBVA ClearPoints Rates & Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 13 first months
Regular 13.24 – 31.24%
Regular: 1 – 2 – 3
You pick a purchase category for 2x and 3x rewards. Rest of purchases are 1x.
You can find a detailed review of the card below. We investigated each feature of BBVA Rewards Card and we provide our own thoughts for you. If you have any experiences with the card, please leave a review.
Rewards and Bonus
BBVA Rewards Card is providing good options to get rewards points. The regular rate is 1.5 reward points at every purchase. However, if you ever deposit $1000 to your bank account, you will increase your rewards points to 2 for every purchase. There is no limit on this and you can gain 2% rewards points with depositing $1000 to your BBVA deposit account every month. I believe if you are going to work with BBVA for your financials, this opportunity can be very good for you. However, we recommend you to be careful about the interest rate of the card. We are going to mention this at APR and Fees section below. Earn hassle-free rewards across ALL purchase categories, every time and everywhere.
Unfortunately, there is not any good bonus for the card at this time. If BBVA can do a good sign-up promotion for this card, it will be more attractive for consumers.
BBVA Rewards Card Fees and APR
If your creditworthiness is not very good, the APR amount can be high with this card. If it is good, it is going to be very low. More than 30 percent annual interest rate can be quite problematic for consumers despite good rewards rates. APR is 13.24% to 31.24%. There is not 0% APR promotion of credit card for purchases but it is available for balance transfers for 13 months. However, if you would like to have %0 interest rate for balance transfers. This is available in BBVA Rewards Cards.
There is no annual fee of the card and we always like no annual fee cards. Because no annual fee cards are always making rewards more beneficial for consumers.
If you are purchasing abroad very often, you will need to make 3% extra payments with the card for each of your foreign transactions. The maximum cash advance fee and the balance transfer fee is average. Their rate is 4%. However minimum payment is $10 and this is above the average.
Thoughts
BBVA Rewards Card is not a bad card if you have a good credit score. It depends on your APR much. If you get this card with APR more than 20 percent, it won’t worth it despite 2x rewards. We recommend you to talk to a banker of BBVA before applying to the card and learn possibilities about APR rates first. If there was an introductory period on purchases, this card could be a good opportunity for consumers.
BBVA Rewards Card Rates & Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
13.24 – 31.24%
Regular: 1.5x
If you deposit $1000 to your account regular Rewards is: 2x
Wells Fargo Secured Credit Card is one of the most popular credit cards in United States. This card helps you to rebuild credit and build credit. There are some good advantages and also some disadvantages of the card for consumers. We are going to mention about those for in our reviews.
Wells Fargo Secured Credit Card Interest Rates
The card’s purchase APR is 20.99% and this is not a bad rate for secured credit card. Of course there are better options but this is almost below average and this is good. If you want a card for rebuilding credit quick, this card can be a good option for you with this purchase rate.
Balance transfer interest rate is same with purchase and this rate is not also bad as well. However there can be small promotions for interest rates of the card for making it beneficial for consumers. Discover it Secured has good opportunities at credit build credit cards. There can be some good options similar to Discover cards.
Cash Advance Rate is unfortunately is very high. We recommend you to not to have this service with your card. Cash Advance APR is 25.99% of Wells Fargo Secured Credit Card. This can be a serious problem for you when you want to pay your bills.
Bonus, Rewards & Cash Backs
Secured credit cards are not generally providing bonus, rewards and cash backs to consumers. There are a few exceptions though. However Wells Fargo Secured Credit Card doesn’t also provide any bonus, rewards or cash backs. If you are seeking these options in secured card, you don’t have much options though.
Fees
Annual Fee of the card is $29. This is not very much. Actually it is good for consumers when you compare it with other secured cards in United States.
Foreign transaction fee of the Wells Fargo Secured Credit Card is 3%. We don’t like foreign transaction fees at credit cards. However this feature is very optional for your choice. I mean if you are purchasing from abroad very often, you will need to pay 3% extra for your each payments. So this card won’t be very beneficial for you. If you don’t purchase from abroad or online shops with foreign currency, you can ignore this feature of the card.
Cash advance fee is minimum $10 and maximum 5%. These fees are very high and sometimes they can be much higher than interest rates. We recommend you to no to use this card for cash advances.
Balance transfer is also same with Cash Advance. Just the minimum fee is $5 which is average.
Thoughts
If you want to build a credit history or if you are seeking to rebuild your credit, Wells Fargo Secured Credit Card is going to help you about that. However you will need to think about foreign transaction, cash advance, balance transfer fees before applying the card. The cash advance APR is also very high.
We believe that Wells Fargo should make some improvements for the card. Since Discover it has released secured cards with very good bonus and rewards opportunities, consumers are interested with that card more than Wells Fargo Secured. However purchase APR and Balance Transfer APR are still making this card very attractive for consumers. If you have no business with transfers and cash advances, this card can be a good choice for you. It is because both operations have very high interest rates. Please don’t forget to consider foreign transaction fee of the card, if you purchase from abroad very often.
You can watch the video below which has been published by company to learn more about this product.
You will need to deposit some cash to create your credit limit with this card. Eg: If you deposit $300 , your credit limit will be 300 dollars with secured credit card. $25 dollars annual fee is very reasonable for a secured credit card. $600 worth phone protection is also available and there are also travelling goods.
You can see Wells Fargo Secured Credit Card reviews below. You can also leave a review if you would like to share your experiences and thoughts about the card. All credit card rankings and scores are completely user-based. So please leave an honest review for the card to help other consumers. If you also have any questions related the card.
You can check our review for Wells Fargo Platinum Card below. If you have any questions regarding to this card, please ask us. We are going to respond you as soon as possible.
Wells Fargo Platinum Credit Card APR and Benefits
If you don’t want to pay APR for long time with a credit card, Wells Fargo Platinum Card can be an option for you. However you are not going to get any reward or bonus with this card. The only good side of this card is no APR for 18 months. So we recommend you to have this card if you really want to get it for not paying APR. There are some good features of card as cell phone protection, zero liability protection, travel accident insurance, etc…
The cash advance APR is 25.99% to 27.99%. It is already default Wells Fargo rate for cash advance.
Fees, Rewards and Bonus
The late payment fee is $37. Cash Advance rate is 5%. Wells Fargo Platinum Card is very simple credit product. It is a visa card and there are some additional features of it. You can check visa benefits page for this.
Unfortunately there is no rewards, bonuses, cash backs for the card. So you will not able to earn anything which you purchases.
The card doesn’t ask for annual fee from consumers. So this card can be a good opportunity if you are looking for a no APR credit card with no annual fee. There is a foreign transaction fee that you will need to pay for your each purchase. It is at 3% rate at the moment.
Balance transfer fee is %5 for the card. However this rate is 3% for first 4 months after you get the card.
Thoughts
This is a good card for those who are looking for a long-term no APR credit card with no annual fee. The card’s current interest rates are high and there is not any bonus or rewards of the card at the moment.
You can read some users reviews of this card below. Our user reviews are determining rankings and score of the cards. Please leave a fair review to help other consumers.
You can find detailed information on Wells Fargo Cash Back College Card below. There is also review for each features of the card.
Cash Backs and APR
Wells Fargo Cash Back College Card has many good opportunities for students. The card is providing %3 cash back. Besides Wells Fargo is providing one of the best APR opportunities of the company with this card. No credit history needed to get this card. Besides there is not any APR payment (except Cash Advance APR) first 6 months. However Cash Advance interest rate is the lowest in Wells Fargo credit products. If you don’t want to pay much for cards, we recommend you to consider about Wells Fargo.
%0 APR for 6 months is very good opportunity for students. This introductory period is for purchases and transfers. Cash Advance APR is 25.99% for the card which is already rate at almost all Wells Fargo cards. This is still very high though. Regular APR for purchase and balance transfer is 13.15%-23.15%. The minimum rate is quite good but the maximum rate is something you should consider. If your Wells Fargo College Credit Card has APR more than 20%, your interest rates can be high monthly.
Benefits & Fees & Bonus
Your phone is also protected with Wells Fargo Cash Back College Card. There is $600 worth insurance for your phone if you have Wells Fargo College Credit Card. Your phone will be protected against damage and theft.
This card will also help you to build credits and credit history. %3 cash back is an awesome opportunity for your purchases on gas, grocery, and drugstore. For other purchases you are going to cash back %1.
There is no annual fee and this is a good advantage for students. There is not already too much student cards which asks for annual fee though. If you are purchasing from abroad, foreign transaction fee can be a problem. You will need to pay extra 3% fee for your foreign transactions. Cash Advance and Transfer fees are very high with 5% rate. However there is an introductory Balance Transfer fee period with 120 days.
Thoughts on Wells Fargo College Card
High APR is making this card unbeneficial for students. However there are good cash back rates of the card for first 6 months. Besides there is no annual fee. This is a good card for short term, however 6 months later it can be damage your home economics seriously if you use cash advance, balance transfers with the card.
You can find a detailed review of Wells Fargo Rewards Card below. We investigated all facts of the card and shared our opinions about all features of the card.
Wells Fargo Rewards Card APR and Bonuses
15 months no APR is really good for the card. This introductory APR is valid for transfers and purchases. Cash Advance rates and regular purchase & balance transfer rates of the card is very high though. You cans see these rates at the table below.
There is not any direct sign up bonus of the card but there is a high signup bonus rewards for all purchases in first 6 months. This is limited with $12500 purchases. So you can earn 5x rewards for gas, drugstore and grocery purchases. It is making this card beneficial for some time. However you will need to math your 6 months purchases in these categories first. We recommend you to calculate all your monthly purchases and see if this credit card beneficial for you.
Fees and Rewards
As we have mentioned above you are going to earn 5x rewards in the first 6 months. After 6 months later, your rewards rate is going to decrease 1x and this is quite low. Foreign transaction fee can be problem for you if you are purchasing from abroad or foreign online shops. You will need to pay 3% fee for your each foreign transactions. There is not any annual fee of the card. This is one of upsides.
Balance transfer fee and cash advance fee are also high. However there is an introductory balance transfer fee for 120 days. It is minimum $5 and maximum 3%.
Thoughts
This credit card is designed to be a rewards credit card by Wells Fargo. However the huge disadvantagement of this card is high interest rates. We recommend this card for only those who doesn’t care for APR. We recommend it for those who wants to get rewards points from their purchases in short term usage.
Wells Fargo Visa Signature Credit Card has far better features than rewards card. It is already provide the same rewards points for their users but it has much lower interest rates than Wells Fargo Rewards Credit Card. There are also good travelling promotions and opportunities for Signature Card. So we recommend you to check it first, before applying to Rewards Card.
You can read user reviews below and you can also share your experiences about this product. You see overall user rating score for this card above.
Wells Fargo Rewards Card Rates and Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 15 months
Regular: 18.49%-27.99%
1 point
5 x rewards points for up to $12,500 on purchases on grocery, gas and drugstore. (6 Months)
None
3%
$10 or 5%
25.99% – 27.99%
$5 – 3% (first 120 days)
Regular: 5%
0% APR for first 15 months
Regular: 18.49%-27.99%
FTF: Foreign Transaction Fee
Rewards Card has no annual fee. You won’t need to pay APR for 15 months. After 15 months later, regular interest rate is going to be 18.49% – 26.99%. It depends on your creditworthiness.
You can find some detailed information on Wells Fargo Visa Signature credit card below. You can check rewards, balances, cash backs and other opportunities of the card below. There are also our opinions about features of the card.
Wells Fargo Visa Signature Rewards and Bonuses
Wells Fargo Visa Signature is a card which you can find many good travel and airfare benefits. Besides there are good rewards rates of the card when you sign-up for it. You will able to gain 5x rewards points. There is no annual fee and there is not any APR for 15 months. Besides points that you earned can redeemable for airfare with 50% better value. So if you can maximize your 6 month bonus rewards to 93750 points for airfare. It worth about 938$ dollars. This is not a sign up bonus exactly but it worth more than a sign up bonus.
Wells Fargo is also providing 1x rewards for your each purchases. Your rewards will remain in your account for 5 years. The other good feature of this card is phone protection. Your phone will be secure against thefts and damages with the phone protection option. The insurance is $600 worth for the phone protection.
Rates and Fees
All interest rates are very high for the card. There is also a long introductory period for Balance Transfers and Purchases. 0% for 15 months. However after introductory period and when you are done with signup bonuses this card can be quite expensive for you because fees are also high. There is foreign transaction fee with 3% rate, Cash Advance Fee with 5% rate and also balance transfer fee with 5% in the card.
Thoughts
This is a credit card which will be beneficial for you for the short term. If you go on to use the card after 15 months later, you are going to have low rewards, high APRs and fees.
You can see overall rating of Wells Fargo Visa Signature reviews above. You can also read user reviews at the end of this content. If you would like to add your thoughts about the card, you can do it with filling comment form.
Wells Fargo Visa Signature Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 15 months
Regular: 14.49%-27.99%
Regular: 1 point
5 x rewards points for up to $12,500 on grocery, gas and drugstore purchases. (Deadline is 6 Months)
You can find a detailed review for Wells Fargo Cash Wise card below. You can find our opinions for each facts of the card and you can also see user reviews below. Feel free to review this card and also ask questions about it.
Wells Fargo Cash Wise APR and Bonuses
There is no APR for a year when you get this card. Phone protection feature is also a good features which can attract you to have this card. It worth about $600 insurance. There is $200 sign-up bonus available with Wells Fargo Cash Wise Visa. Regular APRs of the card is above the average. Cash Advance APR and all other rates are too high as well.
Fees and Rewards
Unfortunately there is foreign transaction fee of the card with 3% rate. This is a feature which we dislike. However if you don’t purchase from abroad or foreign online shops, you don’t need to worry about this. This feature only concerns those who are generally purchasing from abroad.
Cash Advance Fee and Balance Transfer Fee are too high with 5% rate. These rates can affect your payment performance if you are planning to use this card for Cash Advance and Balance Transfer. This can even be higher than interest rates at times. We generally warn you about these fees at times. We recommend you to check better alternatives if you will balance transfer and cash advance.
There is no annual fee of the card. This is one of upsides of the card. Generally credit cards in this category asks for annual fee more than $100. This is one of advantages of Cash Wise. So you should consider this fact if you want to get a cash back credit card.
The card is providing 1.5% cash back for every purchases. This is the average amount for United States but if you need a credit card for every purchases, this card can be profitable for you. This card is generally good for general expenses. If you want to have cash back card for a certain category, you will need to look for an alternative one. However please also don’t forget that, there are more consumer friendly cards more than Wells Fargo Cash Wise at the moment. Regions Premium Credit Card is one of those cards with low interest opportunities and similar rewards points system.
Thoughts
Wells Fargo Cash Wise Visa is very good for those who wants to have a cash back credit card. This card offering promising 1,5% cash back rewards for you. Your rewards will never expire until you cancel your card. However the card is not providing many services for Wells Fargo clients. You can also find more information about those in Wells Fargo Cash Wise Visa reviews below.
You can read Wells Fargo Cash Wise Visa reviews below. These reviews has been made by users and you can see overall rating score above. If you are already have this card and want to share you thoughts, you can also write a review. So this product can get more accurate rating score…
Wells Fargo Cash Wise Rates and Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 12 months
Regular: 15.99%-26.99%
1,5% Cash Back Reward
$200 Bonus Available
None
3%
$10 or 5%
25.99% – 27.99%
$5 – 3% (first 120 days)
Regular: 5%
0% APR for first 15 months
Regular: 15.99% – 26.99%
FTF: Foreign Transaction Fee
Editor Scores for Wells Fargo Cash Wise Visa
Type of Card
CCC Editor Score
Overall Score
Total Cards
General
192.5
200
100
Zero Interest
198.5
180
43
Sign-Up Bonus
195
199
44
No Annual
173.5
166
60
Rewards
205
189
64
Cash Back
154
123
26
If you would like do an online application, you can click on apply button above.
You can see some user reviews below. You can also feel free to review to this card. User reviews are helping us to determine card rankings and scores. You can also help other consumers with fair reviews.
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