Bank of America Visa Signature WorldPoints™ Reward
issued by Bank of America |
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read on for a full review of all the features.
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 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 Visa Signature® WorldPoints® Rewards, issued by FIA Card Services, N.A., is designed for those with excellent credit who plan to take advantage of the reward program that it offers.
Cardholders earn one point for every dollar spent on general purchases, which can be redeemed for a variety of benefits including merchandise, gift certificates, cash rebates, and travel rewards. There is no limit to the amount of points that may be earned per year; however, points will expire after five years.
This card has no annual fee, and the APR for purchases and balance transfers is reasonably low. There is also a 0% introductory APR for balance transfers and cash advance checks for the first twelve billing cycles.
In addition to the reward program, cardholders can expect common benefits such as fraud protection services, online access, and a personal concierge service.
Therefore, those who plan to take advantage of the introductory offer, the very low APR for purchases and balance transfers, the reward program, and the various benefits and services may find the Bank of America Visa Signature® WorldPoints® Rewards to be a suitable option.
Most Attractive Feature: No yearly limit on points earned; no annual fee; very low APR on purchases.
Least Attractive Feature: Points expire five years after they are earned.
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Note: The review of this Bank of America card was updated on 08/19/2008 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
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| 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: | 9.99% / 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 | | Cash Advance Fee: | 3%, $10 minimum |
| Balance Transfers: | 3%, $10 minimum |
| The Rewards Program Highlights |
| Optional Reward: | No |
| Points Per Dollar: | 1 Point |
| | Points are redeemable for travel, merchandise, gift certificates, cash, and more. |
| Expiration: | 5 Years |
| Additional Highlights of Interest |
Special Card Benefits and Features
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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 9.99% or 15.99%.
See website for complete terms and conditions of card usage and application disclosure.
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