good card if you stick with it
I have had this card since 2008, and it has generally been a positive experience. I started out with a $1000 credit line (while I was in school) at 13.24% APR. I then received increases to $3500, then $5000, $13,500, and am currently at $16,000, with same base APR. They occasionally have promotions where they will let you cash advance or balance transfer funds at 0% for 12 months--I used this feature last year when I had to replace my roof; don't know where else I could have gotten an $8000 unsecured loan at 0%.
The 3-2-1 rewards are in points, not true cash back (at least on my card). Each point is less between about 1/2 and 2/3 of a cent depending on what you redeem it on. I recommend Discover or Amex over this card if what you really want is bank for you buck on rewards. But this card is great for just basic credit on good terms.
Good for 0apr after that not worth
Good as long as it's 0 Apr in effect . After that they charge you apr even if the promotional balance is paid full. Overall I don't like boa.
doesn't this card come with 0% for purchases AND balance transfers? Where would interest come from?
After the promotional period, of course APR is going to occur.
BOA SUCKS
Go elsewhere for credit...trust me!
Call service was pathetic
My issues were not solved after several calls and long waiting time.
Good Card for Transfer
I used this card for balance transfer and have been taking advantage of the 0% apr
bank of america worst card
Never do business with bank of america.. they are no loyal to their clients and will close your accounts for no reason and then give you a bogus reason over the phone. Please do not do business with them. I used to own a credit card that was bought out by bank of america and after 12 years and speding over 200k with them and never been late along with paying them off all the time they closed my account. Reason, because I added a few authorize users to my account. Wow? Really? That cause for me to forfeit my points that I couldn't even redeem. Good luck
Not bad nor all that great.
I have had e-checking account and it's okay, but every time I have tried to do acquire some of their other products such as a applying for a credit card or even a auto loan they never give a good rate. I don't know how or why their system always gives me a lower than usual credit rating but they do. Good thing I shop around because I have always found better offers with other companies. Such as Wells Fargo for auto loan and capital one for credit cards. It's awful that I can't get my own bank to conduct legitimate business with me for they make it so obvious their only interested in profit no matter what. I asked the customer service representative on why wouldanyoneI go with you if there is better company offering better deals.
It's all for them
No real benefits and horrible customer service
It's a balance transfer card; that's the benefit.
Bank of America is horrible
I've had a few different credit cards with Bank of America and they have all been closed due to very bad customer service experiences or just unethical business practices . I do not recommend conducting business with Bank of America.
Don't rely on it.
A high credit limit that you might rely on for emergencies can disappear for no reason apparent to you. Very high interest rate.
Amazing!!!
I Love That Credit Card, It's Amazing
This must be a Bank of America employee or one of the big guns that make all the money