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Issued by Bank of America Categories: Reward - Other
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Overall Rating
Benefit Rating
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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 do expire in five years. This card has no annual fee, and the APR for purchases and balance transfers is very low. There is also a 0% introductory APR for balance transfers and cash advance checks for the first twelve billing cycles. Aside from 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(s): No yearly limit on points earned; no annual fee; very low APR on purchases.
Least Attractive Feature(s): Points expire five years after they are earned.
Additional Perks
See website for additional benefits.
Rates & Fees
- Introductory Rate: 0% APR for 12 Billing Cycles
- Introductory Rate Details: The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.
- Grace Period: 20 Days (Min.)
- Applied Towards: Balance Transfers
- APR (Purchases) %: 9.99 / 15.99
- APR (Cash Advances) %: 19.99
- Finance Configuration: Average Daily Balance (including new purchases)
- Annual Fee: $0
- Additional Cardholders: $0
- Application Fee:
- Minimum Credit Limit: $5,000
- 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: None
- Cash Advance Fee: 3%, $10 minimum
- Balance Transfer Fee: 3%, $10 minimum
- Important Notations: 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.
* 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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