Bank of America Accelerated Rewards American Express Card issued by Bank of America
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Bank of America® Accelerated Rewards™ American Express® Card, issued by FIA Card Services, N.A., is designed for those with average credit who want to participate in the reward program. Through the reward program, cardholders earn 1.25 points for every dollar they spend with the card. Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, discounts at hotels, and gift certificates. There is no limit to the amount of points that cardholders can earn, but points will expire after five years. The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a reasonably low fixed interest rate on purchases and balance transfers once the introductory rate expires. This card also provides various benefits and services including a personal concierge service, identity theft recovery, and absolute fraud protection. Therefore, those who would like to participate in the reward program and will take advantage of the introductory rate will benefit most from what the Bank of America® Accelerated Rewards™ American Express® Card has to offer. Most Attractive Feature: Very low fixed APR for purchases and balance transfers for those who qualify; 0% introductory offer; access to reward program; no annual fee. Least Attractive Feature: No extraordinary benefits or discounts offered to cardholders aside from the reward program. Apply Now For Bank of America Accelerated Rewards American Express Card Note: The review of this Bank of America card was updated on 09/24/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 12 Billing Cycles
Applied Towards:	Balance Transfers
Details:	The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	Between 9.99% and 19.99%
Cash Advance APR:	24.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. 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 Transfers:	3%, $10 minimum

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1.25 Points
Additional Points:	Earn 1.25 points for every $1 in net retail purchases.
	Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, discounts at hotels, and gift certificates.
Expiration:	5 Years

Additional Highlights of Interest

Special Card Benefits and Features See website for additional benefits. Important Notes Regarding This Offer This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure.