Elite Rewards World MasterCard Credit 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 Elite Rewards® World MasterCard® Credit Card, issued by FIA Card Services, N.A., is designed for those with good credit who want the opportunity to earn a variety of rewards. Through the reward program, cardholders earn one point per dollar spent on general purchases and double points per dollar spent at participating merchants. In addition, 500 bonus points are awarded after the first purchase. There is a limit of 90,000 points that may be earned per year (7,500 per billing cycle), and any unused points expire in four years. Points are redeemable for gift certificates, car rentals, hotel stays, and flights on over 125 U.S. based airlines. 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 for those who qualify once the introductory rate expires. It is important to understand that the APR for purchases and balance transfers will vary according to the applicant's credit history and will be either 9.9% or 15.99%. Therefore, those who will qualify for the lowest rate offered, will take advantage of the introductory rate, and would like to participate in the reward program will benefit most from what the Elite Rewards® World MasterCard® Credit 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 Elite Rewards World MasterCard Credit Card Note: The review of this Bank of America card was updated on 09/22/2008 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) / $5,000 (Minimum)
Purchases APR:	9.9% / 15.99%
Cash Advance APR:	19.99%
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:	None for World MasterCard® accounts only. $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000 for Platinum Plus® and Preferred accounts.
Cash Advance Fee:	3%, $10 minimum
Balance Transfers:	3%, $10 minimum

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	Earn double points at participating merchants.
	Points are redeemable for travel on over 125 U.S. based airlines, car rentals, hotel stays, and gift certificates.
Expiration:	4 Years
Yearly Limit:	90,000 Points (7,500 points per billing cycle)
First Purchase Bonus:	500 Points

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. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.