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Credit Card Reviews » Bank of America Visa Signature® with WorldPoints® |
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Getting the most out of your credit card's reward program is all about flexibility. You have to have options that you can really use in order to take full advantage of your earnings. And with the Bank of American Visa Signature® WorldPoints® Rewards credit card, you will always have the options you need to get the rewards you want. If you have excellent credit, apply for this credit card to gain access to the reward program that will truly feel rewarding.
Many credit card reward programs box their users in, only allowing them to earn rewards on specific items or changing categories, or only on money spent at specific venues. With the Bank of American Visa Signature® WorldPoints® Rewards credit card, on the other hand, you'll have all the flexibility you could want. You will earn one point for every dollar that you spend on general purchases, no matter where you buy them.
These points can then be redeemed for various products and services of your choosing. You can turn them in for travel rewards to get you to the vacation of your dreams, or use them to buy merchandise while you're there. You can redeem your points for gift certificates, or even cash rebates. They're your points, you can use them however you want.
With this card, the sky is the limit. There is no cap on the number of points that you can earn each year while using this card, and you won't have to worry that your points won't be around when you have time to use them. You will have a full five years before your points expire, so you can use them in your own time.
This card comes with absolutely no annual fee, and its APR for purchases and balance transfers is attractively low. This card offers a 0% introductory APR for balance transfers and cash advance checks for an introductory period of twelve billing cycles, giving you the financial flexibility you need.
As if all of this isn't enough, this card also provides its cardholders with various user benefits. As a Bank of American Visa Signature® World Points® Rewards user, you will automatically receive benefits such as fraud protection services, online account access, and a personal concierge service. With great, low rates and incredible rewards earning potential, this card gives you all of the options you could want.
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0% Intro APR on Balance Transfers for 12 Billing Cycles
9.99% Regular Fixed APR for Purchases
9.99% or 15.99% 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: None |
| Cash Advance Fee: 3%, $10 minimum |
| Balance Transfer Fee: 3%, $10 minimum |
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| Minimum Credit Limit: $5,000 |
| Maximum Credit Limit: n/a |
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| Type of Reward: Point |
| Points per Dollar: 1.00 |
| Expiration: 5 Years |
| Yearly Limit: None |
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| Additional Features for Bank of America Visa Signature® with WorldPoints®: |
| See website for additional benefits. |
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| Important Notes for Bank of America Visa Signature® with WorldPoints®: |
This card is issued by FIA Card Services, N.A.
The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%.
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Bank of America Visa Signature® with WorldPoints® was updated on March 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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