I applied with a 704 score on credit karma and was accepted for the signature card so I get all the advertised perks and a $5000 limit. However the letter I received from the card company stated my Experience score was only 660. Anyway I was approved and hoping to take advantage of the reward miles.
This review is based on applying for this card in September 2016 and have been approved using card for a year now. I have had bad credit in the past, due to lack of credit and expense knowledge. I applied with credit scores 740/736 approved $5k limit. They offer 12 month no apr then a high APR after that... I recommend this card for individuals who have mastered the concept of credit card usage, meaning charge what you can pay at the end of billing cycle. I have used my card for everything, but have paid off my bill every month. The points are great and for someone that travels abroad, its even better with the zero foreign transacion fees. If you are the type of peson that will pay minimum balances on your credit card, I suggest you stay away from these credit cards because the fees are outrageous. Use this card like a check account, only have what you can afford to spend, and pay it off fully at end of bill cycle. I have not paid APR in over 10 years of having credit cards, and trust me the points have saved me lots of money on travel. I qualifed for Capital one venture card which is 1.25 points, but decided to use this one instead. Getting 1.5 poitns per dollar certainly gets your points, but remember to focus on balancing your monthly expenses with what you have on your checking account. Their onine system is very easy to use, I have yet to call them directly, I rate this card 5 stars based on mastering the concept of credit spending and paying zero APR every month...
Good cash back card. Especially if you Bank with Boa and get the 10 percent boost. Love it
I applied for this card a few months ago and was easily approved. I chose the smallest credit limit ($300) because I prefer to keep my cash in my own savings account. The application process was super-easy -- everything is done online, even the deposit. There's no rewards or other incentives, but that's pretty common for a secured card. And everything was going perfectly until I decided to close my Bank of America checking and savings accounts, since they're now adding fees to those. Now that I only have the BoA credit card and no other BoA accounts, I no longer have access to BoA's Billpay feature. That makes sense for BoA accounts, but the nice thing about their Billpay was that I could connect an account from my other bank, and so it was simple to pay off my BoA credit card online with money from another bank. Not anymore. Now that Billpay is unavailable (even though the rep at the BoA branch told me I'd still be able to use it), my only options to pay my bill are by phone (no additional charge) or by mail. Just tried the phone payments, and it's not terrible, but it's nowhere near as easy as clicking a few buttons online. The card is still decent, I'll continue to use it, and I'm really glad BoA made getting the card so simple. Unfortunately, they're just not up to par with all the other big banks (Discover, Cap One, etc) who have phone apps that do more than simply show you your balance if you don't have other accounts through them. Obviously BoA has the technology to do it, but they choose not to, presumably to coerce you into opening an additional account with them. Something tells me I'll be doing most of my spending now on Discover and Capital One, since they make paying so much easier than Bank of America does.
Bottom line, if you're rebuilding your credit, pick a card that's easier to make payments on, unless you happen to have other accounts with BoA. The whole point of a secured card is to prove you're responsible, and having very limited payment options is not a good start.
thats right. thus card offers a buy one, get one companion fare offer.
easiest way to get upgrades to premium and first class.
miles can be shared with all of their 20 partners .
no black out dates, no bag check fees, no miles ever expire.
the opening/intro offer of 30,000 miles is alomst a round trip ticket to any of Alaska Airlines and now Virgin America destinations.