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Credit Card Reviews » Bank of America WorldPoints™ Platinum Plus™ MasterCard® Credit Card |
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Credit card reward programs can be a great way to get more out of your normal spending, but only if your reward program gives you the flexibility to use your points how you want. Don't get boxed into a program that only lets you redeem your points for products and services you don't want or need. The Bank of American WorldPoints® Platinum Plus® MasterCard® Credit Card can give you the options you want to take full advantage of your earnings. This card, issued by FIA Card Services, lets you redeem your points however you want, so your rewards really feel rewarding.
When you use this credit card, you will earn one point for every single dollar that you spend on qualifying purchases. Once you've earned your points, it's up to you to decide how you would like to spend them. You can redeem them for air travel with various airlines, and you will never have to work around blackout dates. You can redeem them for cash, or turn them in directly for brand-name merchandise at the merchant of your choosing. You can turn them in for dining certificates to treat yourself out for the night, or take advantage of any of your other many options. There is no limit on the points that you can earn each year, and you will have five years to use them on your own schedule before they expire.
This card has absolutely no annual fee, so your rewards come at no additional cost to you. This credit card offers its users a 0% introductory rate on both balance transfers and cash advance checks for your first twelve billing cycles. Depending upon your personal credit, after the introductory period expires your interest rate will change to either a low 9.99%, or 15.99%.
This card offers its users a wide variety of benefits and services, to make using your credit card feel as easy and safe as possible. You will have zero liability for any unauthorized purchases made on your card, and secure access to your online account and an electric bill payment service. This card offers 24 hour customer service, so you can always get the help and information that you need, and gives you access to a personal concierge service. This card offers great rates, great services and benefits, and an incredible reward program. What more could you want from a credit card?
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0% Intro APR on Balance Transfers for 12 Billing Cycles
9.99% 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 through 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: n/a |
| 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 WorldPoints™ Platinum Plus™ MasterCard® Credit Card: |
| See website for additional benefits. |
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| Important Notes for Bank of America WorldPoints™ Platinum Plus™ MasterCard® Credit Card: |
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 WorldPoints™ Platinum Plus™ MasterCard® Credit Card was updated on March 11, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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