Specifics

• Introductory Rate: 0% APR for 6 Billing Cycles
• Applied Towards: Balance Transfers
• APR (Purchases): As low as Prime + 5.99 The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 20.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 20 Days (Min.)
• Minimum Credit Limit: n/a
• 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: 3%, $10 minimum

Reward Program Details

• Points per Dollar: 1/100 Point**
• Additional Points: Earn 5 points for each $2,500 in balances transferred per billing cycle (up to 25 points per billing cycle).
• Point Details: **Earn 1 point for every $100 in net purchases per billing cycle. One point is equal to $1 in rebates. Points are redeemable in 25-point increments (minimum 25 points) and can be redeemed for cash back checks, direct deposits made to the cardholder's Bank of America checking or savings account, or reductions in the cardholder's purchase APR.
• Expiration: 5 Years (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: 600 Points

Review

Created for those with very good credit who want cashback rewards. Earn one point per $100 in net purchases per billing cycle. Receive 5 bonus points after first purchase. Also offers bonus points for balance transfers: receive another 5 bonus points for every $2,500 in balance transfers per billing cycle (up to 25 points). 1 point equals $1 in rebates. Earn up to 600 points per year. Points are redeemed in 25 point increments. Redeem points for cashback checks, apply to your outstanding balance, or direct deposit made to your Bank of America checking or savings account. Last Modified Date: 10/2/2008 12:00:00 AM

Additional Perks

See website for card benefits.
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Important Notations

See website for complete terms and conditions of card usage and application disclosure.