Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card

Our Rating: Intro APR: 0% Intro Period: 12 Billing Cycles Annual Fee: $0 Setup Fee: $0 APR: 9.99% / 15.99% Terms and Conditions
Key Features 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 Free 24/7 Concierge Service 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. APPLY NOW

Best Feature(s):  No annual fee; access to reward program; very low fixed APR for purchases and balance transfers.

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

The Bank of America WorldPoints Platinum Plus MasterCard is a credit card specifically designed for those with excellent credit and wanting a credit card that offers them more. If you are like the many people looking for reward programs, you will find that this credit card offers a great deal of incentives for those using their card for purchases.

For example, for each dollar you spend on a qualifying purchase, those holding the Bank of American WorldPoints Platinum Plus MasterCard will receive one point. These points are later redeemed for a variety of rewards such as dining certificates, travel without blackout dates, brand named merchandise, and even cash. Cardholders can earn any number of points within a year, however, if points are not used within five years they do expire.

Other than the rewards, this credit card is a very competitive choice for those with excellent credit to their name. There are no annual fees, with a very competitive introductory rate, which applies to cash advances and balance transfers for the first year of membership. After the introductory offer experience, members benefit from a competitive rate of interest for the remaining time. Interest rates for the Bank of American WorldPoints Platinum Plus Mastercard are determined by your credit history.

As added bonuses, cardholders experience advantages such as access to their account online, as well as personal concierge and fraud protection. However, while all these benefits are excellent, aside from their rewards program, this credit card typically does not offer any special discounts or additional benefits to their cardholders.

It is important before applying for any type of credit card, including this one, you should understand all terms and conditions that apply. You will want to take a close look at the current interest rate, as they change on a consistent basis.

Review Date: 11/10/2006