Visa Credit Cards > BankAmericard Rewards Visa®
If you're a Bank of America® customer you can get 50% more points with every purchase.§§ Other cards may offer you 3X more points when you make certain purchases, but our card offers you extra points on everything you buy.
With a BankAmericard Rewards„˘ Visa® credit card, you...
- earn more points, faster. 1.25 points per purchase dollar on every purchase, plus an annual points bonus of 25% of your yearly purchases €“ all just for maintaining another eligible Bank of America account.§§
- get more choices and flexible rewards €“ air travel with no blackout dates, cash rewards, brand name items and gift cards from hundreds of popular retailers, even unique Ultimate Access„˘ experiences.§
It's easy to get what you want.
Your BankAmericard Rewards„˘ program is all about choices. Use your points to select from hundreds of brand-name items for your home and office, your family and yourself.
Other details about this card:
- Earn and redeem your points for cash back, travel with no blackout dates,car rental and hotel rewards, brand name merchandise, or gift certificates§
- Earn 1 point for every $1 in net retail purchases§
- With an eligible banking relationship, you'll also earn an additional .25 bonus points for every $1 in net retail purchases each month. Maintain this relationship, and we'll match your base points earned during the year by 25%§§
- Rewards begin at only 2,500 points
- No limit to the number of points you can earn each year§
- Points do not expire for 5 years§
Account benefits
- Absolute fraud protection against unauthorized use, online and offline
- Car Rental Loss & Damage Insurance and Travel Accident Insurance**
- Emergency Assistance Services and Emergency Roadside Assistance**
- Retail Protection, and Extended Warranty coverage on purchases made with the card**
- Access to the MyConciergeSM service, a unique personal assistance service**
- 24-hour Customer Service, Secure Online Account Access and electronic bill payment service
Pricing
- No annual fee and the flexibility to pay over time
- 0% Introductory APR on purchases, balance transfers and cash advance checks for your first 6 billing cycles€ (subject to a 3% transaction fee, no less than $10)
- Low standard APR of 12.24% for Platinum Plus® account, 16.24% for Gold accounts, or 21.24% for Preferred accounts on purchases, balance transfers and cash advance checks €
- After your introductory rate expires, you will receive the standard APR for purchases, balance transfers and cash advance checks, currently 12.24% to 21.24%€ Please note that you will lose your introductory rate if you exceed your credit limit, or are late with a payment
- All payments you make will be applied to lower rate balances first
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Available Reviews
I applied for this card tonight since Eric convinced me that when BofA rolls out with a new card, they approve a lot of people. But that wasn't my case with me. I was hoping they would look at my payment history with the other card I have with them which is the Student Platinum Plus Visa. My FICO score at the time was 693 Experian.
I have this card for half year, and I am satisfied for credit line that BOA gave me ($5k). I often use it as everyday purchases along with my 2% cashback Orchard bank Mastercard. Although the APR is very high (18%), since I don't carry balance on this card, it doesn't matter to me.
I called BOA today to see how long before I could be considered for an upgrade to the BankAmericard from my World Points Visa. They said that since I was a long-term customer with deposit accounts that they would upgrade me today. That's awesome considering they just upgraded me to WorldPoints Visa in July.
Should receive the card in 5 to 7 business days according to the CSR.
Approved June 08 for $5000 Dollar CLI All three Credit Bureaus above 700 FICO & No Baddies. Also have a car loan with them. Currently like Bank of America and the way they are treating me! I had a car loan with them in the past. When they were Nationsbank they have always been generous in personnel banking with me. Definately a Good Bank!
I had my Student Platinum Visa open for a year and on my year anniversary date I received a CLI from $800 to $1300. I called in to see if I could get an upgrade to the BankAmericard and was xferred to a credit analyst. The analyst said that because of my good banking relationship (checking + savings) and good payment history, he was able to upgrade the card. No annual fee. APR remained the same at 14% from the student card. I got xferred to retentions to see about lowering it, but they said I would have to wait longer. The point system lets you rackup points rapidly!
BOA Analyst said that CLIs were based off of the credit other companies are willing to give you, how aggressively you charge and pay off, and your utilization.
I love the website design, especially the chat and email feature which helps me when I am at work or when I do not want to wait on the phone. SafePass is a great security feature!
i have this card for a year now with a 9k limit. 4 months ago i needed some money for my business. so out of all my cards i chose this one to borrow from. i took out 8k. i made a little more than the minimum amount every month. a week ago i finally had some extra money so i went online and paid it in full. i owe nothing to any other card and scores are 750+. today i go online and i see that my credit limit went from 9k to 2k. i said what?.it cant be. i called them and they said that there was an unusual pattern in your usage which led to this. unusual.. why didnt you say something when i took out the $8000. it should been decreased then. but when i paid it back there should be no point to decrease it. i paid interest for 4 months and now when i paid it in full you guys cant make money from me so you decreased the limit. thats messed up. i loved this bank. i have 2 cards and a checking account.. since they done this i wont close any accounts but move my business to citibank. never depositing a single penny in bank of america again..do you guys think i should close this credit card account or no?
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