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Bank of America Visa Signature® WorldPoints™ Rewards
The following Bank of America Visa Signature® WorldPoints™ Rewards is brought to you by Bank of America and CreditCardAssist.com. With this low interest credit card, individuals with excellent credit can gain access to an introductory zero interest APR credit card as well as an attractive rewards program. |
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Bank of America Visa Signature® WorldPoints™ Rewards |
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- No Annual Fee*
- Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles*
- Earn 1 Point for Every $1 in Net Retail Purchases*
- Absolute Fraud Protection*
- Online Access and 24-Hour Service*
- Access to the MyConcierge Service, a Unique Personal Assistance Service*
- Card 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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First 12 Billing Cycles*
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9.99% / 15.99%*
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None*
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Yes*
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Excellent Credit*
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Editor's Review:
Those interested in taking advantage of an outstanding introductory zero interest credit card offer may wish to apply for the Bank of America Visa Signature® WorldPoints™ Rewards card. Like many 0 interest credit cards, this card is targeted for those who maintain excellent credit but who are also interested in taking advantage of a flexible rewards program.
Although the Bank of America Visa Signature® WorldPoints™ Rewards card is primarily marketed as a travel rewards credit card, the points earned with the card can actually be redeemed in a number of ways. For example, cardholders may use the points for gift certificates, merchandise, travel rewards, or cash rebates. Cardholders earn one point for every dollar they spend on purchases with the cards and there is no limit to how many points can be earned in a year. Cardholders should be aware, however, that the points do expire five years after being earned.
Unlike many zero interest credit cards, this card actually allows the cardholder to take advantage of the 0% APR on purchases, balance transfers, and cash advances – and, this introductory offer lasts for the first year of membership. Furthermore, once the introductory period is over, the card still offers a reasonable fixed APR of either 9.99% or 15.99% depending upon your credit worthiness. Cash advances, on the other hand, have a 19.99% APR after the introductory period is complete. It should be noted that there is a 3% fee associated with cash advances and balance transfers made with this card, with a minimum payment of $10.
Despite the fact that the Bank of America Visa Signature® WorldPoints™ Rewards card has an excellent reward program and a 0% introductory offer, it does not require an annual fee. It also features benefits that are common to credit cards, including online account access, fraud protection services, and personal concierge services.
The minimum credit limit for the card is $5,000 and there is no maximum cap on the credit limits made available. In addition, there is no "overlimit" fee associated with going over the provided credit limit. There are, however, fees making payments late to the card. For late payments to cards with a balance of up to $100, cardholders will have to pay a $15 fee. Balance of over $100 but less than $250 will cost the cardholder $29, while balances over $250 will result in a $39 fee.
Individuals with excellent credit that are interested in one of the very few 0 interest credit cards to maintain a reasonable rate after the introductory period has expired are likely to be interested in the Bank of America Visa Signature® WorldPoints™ Rewards card. With its rewards program and variety of benefits, it is a very attractive card for those with credit good enough to get approved.
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(Review Date: July 24, 2008)
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