Bank of America Credit Card
Bank of America offers a variety of credit card options. Applicants can choose
from low-rate, hotel and airfare reward, automotive reward, cash back, student
cards and special interest (such as Make-A-Wish) cards.
While each specific cards varies in rates and fees, some offer 0% interest and
no annual fees to new customers. Others have a small interest fee, but allow
you to accumulate points based on the purchases you make with your credit card.
The points then translate into gifts or cash back. These points can really add
up fast when you consider how much we, as Americans, charge on our credit cards
each year. If you pay for your groceries, restaurant tabs, travel expenses,
etc. with your Bank of America reward card, your total points will grow rather
quickly. It's an added bonus to using your credit card.
Optimum Security
Bank of America also offers several features that offer fraud protection and
maximum security for their customers. Total Security Protection, Verified by
Visa, the Cardholder Security Plan and Photo Security are available to protect
its cardholders. It offers zero liability, meaning that if your card is lost or
stolen you will owe nothing. In fact, the next day your account will be
credited any unauthorized charges that have been made. Additionally, you can
choose to receive a monthly ebill, which allows you to see your charges online
and catch any unauthorized or inaccurate charges faster.
Ease of Use
With a host of online services available, it couldn't be an easier to sign up
for and manage your Bank of America account. Credit card applications, card
activation, online bill pay, balance transfer requests, adding a photo to your
credit card, viewing your bill online and disputing charges can all be handled
online through their secure web site, without additional charges.