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Credit Card Reviews » Bank of America® Accelerated Rewards™ American Express® Card |
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You don't have to have credit like Croesus in order to get a credit card with a great rewards program. If you're a normal credit card user with average credit, there's no reason you shouldn't be getting a little something back every time you whip out your card. The Bank of America® Accelerated Rewards™ American Express® Card is a reward credit card designed specifically for people with average credit. This card, issued by FIA Card Services, N.A., will give you access to great benefits, and let you bypass the red tape.
As a Bank of America® Accelerated Rewards™ American Express® Card user, you will automatically earn one point for every single dollar you spend on your card, no matter what you're buying or where you're buying it. There is absolutely no limit to the points that you can earn while using this card, and you'll never have to wonder whether or not your points are still good. You will have five years in which to redeem them before they expire, so you can use them on your own time.
Many credit cards offer either cash rebates, air miles, or merchandise rewards, but few cards combine those options to give you the flexibility you need. That is one of the reasons this is such a great credit card. When as a user of this card, you can choose how and where you want to redeem your points to suit your specific needs. You can choose to put them toward your flight on your next vacation, or the purchases that you make while you're there, discounts on hotels, gift certificates, and even cash. And if you choose to redeem them in air miles, you will never have to work around blackout dates. This card is all about flexibility.
You will never have to pay an annual fee to use this card, and it offers a generous 0% introductory interest rate on both balance transfers and cash advance checks throughout your first twelve billing cycles. Even after that introductory period ends, this card offers a very low fixed interest rate on both purchases and balance transfers.
This card offers its user various benefits, including a personal concierge service, identity theft recovery, and absolutely fraud protection, so you know you're in good hands every time you use your credit card. With all of these great features and rates, this card is excellent for anyone with average credit.
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0% Intro APR on Balance Transfers for 12 Billing Cycles
9.9% Regular Fixed APR for Purchases
19.99% Regular Fixed APR for Cash Advances |
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20 days Grace Period |
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| (* 0% Intro APR on balance transfers and cash advance checks for your first 12 billing cycles.) |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250 |
| Over-The-Limit Fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000 |
| Cash Advance Fee: 3%, $10 minimum |
| Balance Transfer Fee: 3%, $10 minimum |
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| Minimum Credit Limit: $2,000 |
| Maximum Credit Limit: see terms* |
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| Type of Reward: Point |
| Points per Dollar: 1.25 |
| Expiration: 5 Years |
| Yearly Limit: None |
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| Additional Features for Bank of America® Accelerated Rewards™ American Express® Card: |
| See website for additional benefits. |
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| Important Notes for Bank of America® Accelerated Rewards™ American Express® Card: |
This card is issued by FIA Card Services, N.A.
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Bank of America® Accelerated Rewards™ American Express® Card was updated on April 14, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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