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Awesome travel card
I lived abroad and traveled abroad with this card and its fabulous. I also had my limit increased a year after I got it, so I'm not sure why other people did not get that. I love getting points for everything and no foreign transaction fees was a big yes for me!
Excellent points card with no annual fee
Own it for 2 years, points never expire and can be used for anything travel related including parking charges! No hassle, no annual fees and very simple to manage through the bank app. Best part, US based customer service!
loose money in fees and late payment
even if i repay the charges on the card before the last day, they will still charge me late fee even if i made the transcation on their business day. It takes more than 2 business day to reflect your payment and you end up paying heavy late mayment fee. From 2nd year they will charge you heavy anual fee. so stay away from this card.
So you didn't know they are fee driven bank?!
First off, there is no annual fee. Secondly, you shouldn’t wait until the final day of your payment due date to submit a payment.
I agree. This is an excellent card..5 star all the way! Learn how to use a credit card responsibly!
This is one of my first credit cards.
This is my second credit card alongside my Discover It Student card. The application was straightforward; however, I am let down that my credit limit is only $500, whereas my Discover It student card had over $1000 limit. I always prepay my balances as well.
Very conservative bank do more research into different cc
Fantastic
I've gone back in time and applied my rewards to travel I've done up to a year prior.
Good rewards and bonus rewards are even better
Bank of America is the only bank who doesn’t raise your credit limit even after years of perfect payment history with them. Then when you apply for an additional card, they’ll deny you even after five years of perfect credit with them. Bank of America is shady and the absolute worst bank in America. I hate this bank.
I have to disagree. They raised my credit limit after paying off everything every month to more than triple what it was. They even did it without asking me first. They just sent me an email saying that because I was doing so well that they went ahead and raised it for me. My limit was way to high at that point so I had to change it back.
I completely agree! I had the BankAmericard Rewards card with with a $10k limit and after 10 years of perfect payments they only raised it by $1000 automatically. But on the bright side they changed the policy so requesting more credit is no longer a hard pull.
They have raised my credit multiple times and I didn't even ask because I'm never close to the limit. I started with like 600 and 4 years later is 20k.
Very very true!!!
I started with a limit of 11 or 12 thousand a few years ago and Now its at 18000. My spending habits haven't changed just because they increased the limit.
I completely disagree. My credit amount has been raised consistently over the last 5 years. Love this card!
Have PIN wont travel
Got this card exclusively for no foreign fees AND to be able to use a PIN in European countries. Tried at gas stations with PIN card refused every time. Lucky it was a backup to my Capitol one card :)
Was your PIN a 5 digit pin. Gas stations in Europe many times require 5 digit pin. I have used my card for years in Europe all over with out issue.
So far so giid
I have boa accts and applied in a branch with a person. I received an immediate approval. No annual fee, $1k spent over 3 months for intro points, and since I have a boa acct the points are given an additional 10% boost.
This works for me.
Average, but great with Preferred Reward
The bonuses with Preferred Rewards are great. It has no annual fee. Customer service is generally awful, but so are some other major card issuers.