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The Bank of America World MasterCard® with WorldPoints™, issued by FIA Card Services, N.A., is designed for those with excellent credit who plan to take advantage of the reward program that is offered.

Through the reward program, cardholders earn one point for every dollar spent on all qualifying purchases. Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, dining certificates, and more. There is no limit to the number of points that may be earned per year, but any unused points will expire after five years.

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 for those who qualify once the introductory rate expires. 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%.

Aside from the reward program, cardholders can expect benefits such as fraud protection, a personal concierge service, and online account access.

Therefore, those who will qualify for the lowest rate offered and will take advantage of the introductory rate and the reward program will benefit most from what the Bank of America World MasterCard® with WorldPoints™ has to offer.

Type of card: Personal

Introductory apr rate description: 0% APR for 12 Billing Cycles

Purchases apr rate: $9.99

Cash apr rate: $19.99

Fee: $0.00

Additional points: None

Point details: Points are redeemable for cash, merchandise, travel with no blackout dates, dining certificates, and more.

Points per dollar: 1 Point

Best: Very low fixed APR for purchases and balance transfers for those who qualify; 0% introductory offer; access to reward program; no annual fee.

Worst: No extraordinary benefits or discounts offered to cardholders aside from the reward program.

Perks: See website for additional benefits.

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 is either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• Earn 1 Point for Every Net Retail Purchase Dollar
• Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates
• No Annual Fee
• Online Account Access and Point Management
• Absolute Fraud Protection
• Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles
• Card Issued by FIA Card Services, N.A.