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Instant Approval Credit Card - Bank of America World MasterCard® with WorldPoints™
The Bank of America World MasterCard with WorldPoints™, brought to you by CreditCardAssist.com and FIA Card Services N.A., is an instant approval credit card with no annual fee and a low introductory APR on balance transfers for up to 12 billing cycles. Search and compare instant approval credit cards and then apply online for the Bank of America World MasterCard with WorldPoints™. |
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Bank of America World MasterCard® with WorldPoints™ |
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- Earn 1 Point for Every Net Retail Purchase Dollar*
- Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates*
- No Annual Fee*
- Online Account Access and Point Management*
- Absolute Fraud Protection*
- Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles*
- Issued by FIA Card Services, N.A.*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Balance Transfers*
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12 Billing Cycles*
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9.99% / 19.99%*
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None*
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Yes*
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Excellent Credit*
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Editor's Review:
If you have excellent credit, there isn’t a better card out there for you than the Bank of America World MasterCard with WorldPoints™. This card is distributed by FIA Card Services and it has a fantastic reward program that lets those with an excellent credit rating to make the most of their points.
This credit card offers instant approval, which is a real benefit. But what is even more beneficial is the WorldPoints™ Reward Program. You can rack up as many points as you'd like and then redeem them on a variety of merchandise, travel rewards, gift certificates to restaurants and even cash. While you can accumulate as many points as you want—there is no yearly limit—they will expire within five years. So, if you're trying to save your points up for something truly spectacular, it might be a good idea to keep your eye on how long you've had your points. It would be a shame to lose them.
Besides the excellent reward program on this card, you will also receive other benefits such as fraud protection, concierge services and Internet access to your account. One of the only drawbacks to this card, however, is the lack of benefits outside of the rewards program. So, if you're looking for something with a little extra, it might be best to look elsewhere.
There is no annual fee and the 0% introductory rate makes it easy to get used to the card. Balance transfers and cash advances apply to this introductory rate, which lasts for twelve billing cycles. Following the introductory rate, qualifying applicants will receive a comparably low, fixed interest rate. This APR will vary depending on your credit score. Just know, that your individual rate will fall somewhere between 9.99% and 15.99%.
This is really the best sort of card around for those with excellent credit. So, if you qualify—and you'll usually know right away because of the instant approval—you'll get to take advantage of fantastically low rates, a 0% introductory APR, and the WorldPoints™ reward program, which allows you numerous opportunities to save up your points and cash them in for great merchandise, travel and more.
The only real drawback is the lack of additional benefits outside of the reward program. But if you're looking for a way to build up points no matter where you spend your money, the Bank of America World MasterCard with WorldPoints™ might just be the perfect choice for you.
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(Review Date: July 24, 2008)
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