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Issued by Bank of America Categories: Reward - Travel
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Overall Rating
Benefit Rating
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The MilesEdge® Card, issued by FIA Card Services, N.A., is designed for those with a very good credit history who plan to take advantage of the travel reward program. Through the reward program, one point is earned for every dollar spent on the card. Points can be redeemed for travel, theme park admissions, certificates to major hotel chains, brand-name merchandise, and more. Cardholders also receive 1,000 bonus points with their first purchase. There is a limit of 75,000 points that can be earned per year. Points expire on the last day of the Billing Cycle that closes in December of the fourth calendar year following the year in which they were earned. The interest rate for purchases and balance transfers is reasonable for a reward card (for those who qualify), although not ideal for those who plan to carry a balance. There is a 0% introductory rate that applies to purchases, balance transfers, and cash advance checks for the first six billing cycles, and the annual fee is considerably low. Aside from the reward program, cardholders can expect common benefits such as purchase replacement, total security protection, and auto rental insurance. Therefore, those who qualify for the lowest rate offered and will take advantage of the reward program will benefit most from what the MilesEdge® Card has to offer.
Most Attractive Feature(s): 0% introductory rate; bonus points.
Least Attractive Feature(s): Yearly limit on points.
Additional Perks
See website for card benefits.
Rates & Fees
- Introductory Rate: 0% APR for 6 Billing Cycles
- Introductory Rate Details: The introductory rate applies to the first six billing cycles. The introductory rate also applies to cash advance checks.
- Grace Period: 20 Days (Min.)
- Applied Towards: Purchases, Balance Transfers
- APR (Purchases) %: APR Varies*
- APR (Cash Advances) %: APR Varies*
- Finance Configuration: Average Daily Balance (including new purchases)
- Annual Fee: $19
- Additional Cardholders: $0
- Application Fee:
- Minimum Credit Limit: $500
- Maximum Credit Limit: n/a
- 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 Transfer Fee: No fees on balance transfers requested during application; 3%, $10 minimum thereafter
- Important Notations: See website for complete terms and conditions of card usage and application disclosure.
* See the online credit card applications for details about Terms and Conditions of offer.
Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.
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- No Annual Fee for the First Year - $125 Thereafter
- Earn 10,000 Membership Rewards® Bonus Points After Your First Purchase with the Card - Redeemable for a $100 Gift Card
- No Pre-Set Spending Limit
- The Membership Rewards Program® - Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend. You can Redeem Points for Your Choice of Truly Exceptional Travel, Shopping, and Entertainment Rewards
- Gold Card Events - Exclusive Access to Tickets for Select Concerts, Shows, Major Sporting Events, and More in Cities Nationwide
- Global Assist® Plus Hotline and Many More Benefits Included
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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Not Available |
$125** |
No Introductory Rate Available |
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- No Annual Fee for the First Year - $95 Thereafter
- Earn 5,000 Membership Rewards® Bonus Points After Your First Purchase With the Card -- Redeemable for a $50 Gift Card
- The Membership Rewards® Program also Lets You Transfer Points to 11 Frequent Flyer Programs: 1 Point = 1 Frequent Flyer Mile or Frequent Guest Credit for Most Programs
- Purchase Protection Plan Protects Eligible Purchases Made with the Card Against Accidental Damage and Theft for up to 90 Days from the Date of Purchase
- Many Other Travel and Shopping Benefits
- No Pre-Set Spending Limit
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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$95** |
No Introductory Rate Available |
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