BankAmericard® Power Rewards® Visa Signature® Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: VISA
Points
| Initial Bonus $50 |
Base Earn 1 point / $1 |
Max Earn 3 points / $1 |
Earn / Redeem Limit No |
- Get a $50 cash back bonus after you make $500 in purchases within 90 days of account opening.
- Earn 3 points per $1 on gas, grocery and drugstore purchases for the first 6 months and 1 point per $1 on all other purchases.
- Redeem for rewards such as gift cards, merchandise, experiences, travel and more.
- Rewards start at 2,500 points.
- No limit to the number of points you can earn each year.
| Intro Rate 0% |
Intro Period 12 months |
Regular Rate 12.99% - 22.99% (V) |
| Intro Rate0% | Intro Period12 months | Regular Rate12.99% - 22.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 22.99% - 24.99% (V) |
Cash Advance Fee 5% (min $10) |
- ShopSafe®: Add an extra layer of protection when you shop online.
- Chip Technology.
- Mobile Banking.
- $0 Liability Guarantee, which helps protect you from fraudulent card transactions.
- Max Late Fee: $35
- Max Overlimit Fee: N/A
- Max Penalty APR: 29.99% (V)
- Grace Period: 25 days
- Online Response: Yes
- Foreign Transaction Fee: 3%
If you currently have the BankAmericard® Power Rewards® Visa Signature® Card and are satisfied or you like the terms of this credit card offer please let your friends know.
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BankAmericard® Power Rewards® Visa Signature® Card is related to the following credit card categories:
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The card information shown on this page was last updated: June 15th, 2013 at 7:43 EDT
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Just make sure to pay it off every month or you may be paying interest charges. It's hard to keep the balance down if you are not making regular payments. It pays to be financially prudent in this case.
April 13, 2013 at 02:02am
I've had this credit card for a little while now. It was transferred from a Huntington Banks Credit Card about 2 years ago. I enjoy using the card and getting the Power Rewards points. It is easy to make payments on the Bank of America website. The card is accepted everywhere Visa is so it is good to have in case you have an emergency and need something quick. We use it for some automatic payment and other things every month.
April 13, 2013 at 02:00am
My only biggest criticism with this card (or anything Bank of America (BoA), for that matter) is dealing with the customer service—I’ve had really long wait times, been transferred from one department to another and I’ve had some of the Customer Service Representatives give me moments of silence as if I said that I have earwigs living in my brain). I really can’t wait to pay off this outstanding balance, close this card and move to another major bank that is NOT BoA nor Wells Fargo or to a card supported by a credit union. Other than that, I’ve been particularly okay with this piece of plastic. It is my first credit card that I’ve ever had (I opened it in 2004, solely for the reason that this bank is in my suburb, my paychecks were issued by this bank and that, at the time, this was the only major bank that The University of Texas allowed for online transactions). I’ve enjoyed only one of the rewards, and that is redeeming my points for cash back—I use that cash to help me pay off this debt :-)
March 21, 2013 at 09:12pm
I have had this credit card since 2007, and I love it. I like being able to earn points when using my card, so instead of using a debit card, I use this. I just pay it off every month with my checking account. When I have accumulated enough points, I redeem them for cash which goes straight into my checking account using the Bank of America Worldpoints store. It's like being paid to spend money I would already spend anyway! It's also easy to make payments on, and the online banking is really clear and concise. I have never had an issue with my card that customer service was not able to clear up with a quick phone call.
March 14, 2013 at 11:16pm
This card is the most recent credit card I have applied for. I applied for it because I bank though Bank of America. I was a little disappointed by my initial credit limit, but overall all the benefits of having this card outweighed the negative. Bank of America’s online banking is very convenient and easy to use. All of my accounts show up in one place; it is really easy to make payments and view my balances. The rewards on this card are also very useful. They add up really fast, and there are a lot of different options you can use them on. I just recently got a $50 gift card to Nike.com. As mentioned before, it is really easy to make payments and keep track of your balances on this card (especially if you have other Bank of America accounts). I recommend this card to anyone who has the ability to get it.
March 14, 2013 at 05:52pm
I got this card when I started college and it’s been working out great for me. I can access the information safely and reliably online, without ever having to receive any paper from Bank of America. It is also great for traveling. I also feel very comfortable with the security precautions BoA takes in preventing credit card fraud: I often purchase items online from all over the world and don’t always have them shipped to my address, so BoA reaches out to me to ensure that it is me doing those transactions. Sometimes a purchase can be temporarily blocked until the verification occurred, this can be done easily over the phone anytime.
February 11, 2013 at 05:06pm
I got this card because I travel a lot for work and I wanted a separate card to put all those expenses on so it was easier to keep track of when doing my expense reports. I chose a “Rewards” type card because I figured if I was spending a bunch of money (and getting reimbursed for it by my company) why not rack up a few perks, right? I chose Bank of America because I have four checking/savings accounts with them (and a mortgage) and I wanted to be able to link the card to my other accounts for convenience. In the first year of having it I ended up with a new kitchen aid blender, Henkel’s silverware for 16 just in time for Thanksgiving and a few nice gift cards to help with my Christmas shopping. The points add up so it’s pretty fun. I would recommend this card.
February 8, 2013 at 03:56pm
In my experience, rewards cards can be very hit and miss. Sometimes you even have to deal with higher APR's than normal due the amount of rewards you are getting back. Not the case with this BankAmericard Power Rewards card. I was extremely impressed with the 0% introductory rate, as well as more reasonable than I expected reward options. I found myself constantly using this card on gas purchases, even changing my regular gas station to make sure I went to one that took Visa credit. This card was a big win for me, and my credit wasn't even perfect. Look here if you want a safe, reliable card from a reputable institution that pays you back and then some.
January 8, 2013 at 06:08pm
We have had this card for over a year now, and love it. From the start, we got fifteen months with no interest and no fees. We also took advantage of a balance transfer to help consolidate our debt. The real advantage though, of course, is the cash rewards. We try to use this card for all our gas and grocery shopping to maximize our rewards. This card also makes it very easy to claim the rewards, as it just requires a few clicks on their website. The website also ties in my other Bank of America mortgage account, so that I can manage all of my Bank of America accounts with a single login, which makes dealing with finances much easier.
September 5, 2012 at 04:11pm
I love using this card mainly because Bank of America's online management system is very good. I don't have enough experience with the online management systems of other banks to say how they compare, but with BoA it's convenient to see how much money you have in your accounts listed right next to how much you have spent with this credit card. This helps me keep my spending under control and my financial affairs in perfect order. As a recently fiscally-independent young adult, this takes a lot of stress off my mind. For me, using this credit card is the same as using my debit card because it feels like I'm drawing money from MY ACCOUNT (and not putting it on someone else's ledger) and I have yet to carry a balance. The extra advantage of using credit over debit is that I earn points on my purchases. BoA's rewards system seems pretty standard, and so far I have only exchanged my points for cash, which worked well and was a good experience.
August 15, 2012 at 05:59pm
I had this card with me when me and some friends embarked on a cross country road trip during winter break. Since this card gave rewards on gas purchases I payed for all the fuel for our little Saab 93 turbo with this little beauty. After driving 7000 miles and spending almost $1200 dollars on gas I had accrued over 35000 points, which I used to buy all my books for my last semester at college! This card is great the savings are phenomenal if you buy a lot of groceries or gas, I couldn't be happier with my Bankamericad Power Rewards and would recommend it for anyone.
July 18, 2012 at 04:50pm
The BankAmericard Power Rewards Visa Signature Card just sounds cool. But the coolest thing about rewards credit cards is saving money, so we need to see how cool the Power Rewards really are. Let’s see, you get a $50 statement credit after making $100 in retail purchases in the first 60 days after account opening. (That’s better than nothing, but $50 is a little small for an initial rewards bonus in the current market, and the whole forcing you into a statement credit and adding the retail purchase requirement to the deal takes away from its attractiveness). The Power Rewards BankAmericard also offers 3 points per $1 spent on gas, grocery and drug store purchases during the first 6 months (this might’ve been a better deal like 5 months ago when gas prices are high, but at least right now it’s not that great). The 1 point per $1 base earning rate is pretty standard, but the fact that it appears to be all you get after the first 6 months isn’t thrilling. Then we get to the issue of the BankAmericard Power Rewards Card being a Visa Signature card. This is important because Visa Signature cards have a feature called No Preset Spending Limit. This means your credit limit will be determined on a monthly basis and you’ll never know quite what it is. It also means that your credit utilization might be reported inaccurately to the credit bureaus and your credit score could fall for no good reason. You should then consider options in the place of the BankAmericard Power Rewards Visa Signature Card. The Chase Sapphire Preferred is a good choice if you want a lucrative initial bonus. The Capital One Cash Credit Card or Venture Card are nice choices for earning ongoing rewards. And if you were drawn to the Power Rewards Bank of America card for the 0% it offers on purchases or balance transfers for the first 12 months, then the Citi Simplicity card (0% on both for 21 months) or the Citi Dividend World MasterCard (0% on purchases for 15 months and some interesting rewards) would both be better choices than the Bankamericard Power Rewards Credit Card.
December 8, 2011 at 03:27pm