| Home Advantage™ MasterCard® from Bank of America Issued by Bank of America | ||||||||||
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| Review | ||||||||||
| The Home Advantage™ MasterCard® from Bank of America, issued by FIA Card Services, N.A., is designed for those with excellent credit who would like to earn a variety of rewards, including payments toward their mortgage principal. Through the reward program, cardholders earn one point per dollar spent on all qualifying purchases. Cardholders will also earn double points on purchases at home improvement stores including Lowe's®, The Home Depot®, and Best Buy® for the first twelve months. There is no limit to the number of points that may be earned, but points will expire after five years. Points are redeemable for various travel rewards, merchandise, gift certificates, and cash. Cardholders can also redeem points for payments to their mortgage provider. For every 5,000 points earned, $50 will be applied towards the mortgage principal, providing cardholders with the opportunity to reduce interest costs over the life of their loan. In addition to the reward program, the card also offers common cardholder benefits, such as online account access, fraud protection, and access to a personal concierge service. The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a reasonably low fixed interest rate on purchases (for those who qualify). It is important to understand that the APR for purchases and balance transfers will vary according to the applicant's credit history and will be either 9.99% or 15.99%. Therefore, those who will qualify for the lowest rate offered, will take advantage of the introductory rate, and would like to participate in the reward program will benefit most from what the Home Advantage™ MasterCard® from Bank of America has to offer. | ||||||||||
Review Date: 6/10/2008 | ||||||||||
| Most Attractive Feature(s): Access to reward program; introductory offer; no annual fee. | ||||||||||
| Least Attractive Feature(s): No extraordinary benefits or discounts offered to cardholders aside from the reward program. | ||||||||||
| Additional Perks | ||||||||||
| Various Internet account related services. Personal concierge service. See website for additional benefits. | ||||||||||
| 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. | ||||||||||
| Note: The review on this card was updated on 6/10/2008. The review is believed to be accurate during the update, however, 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. Credit card review information is provided by CardOffers.com, Inc. | ||||||||||
Fast approval with good credit history , your application is handled entirely by Bank of America in privacy over a secure connection once you click the link to apply below |
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