| Bank of America credit cards have become | | | | There are many cards that are partnered with |
| synonymous with travel rewards. When Bank of | | | | specific airlines and offer bonus miles for that carrier. |
| America merged with MBNA a few years ago it | | | | Other rewards programs include cash back, |
| instantly became one of the dominant players in the | | | | merchandise, dining, hotels and more. Take your to |
| credit card industry. By joining with MBNA, Bank of | | | | time read over the terms of each offer to find one |
| America has now become the defacto leader in | | | | that may benefit you. |
| travel rewards credit cards. | | | | 4. Fraud and Theft Protection - It is a rather |
| In addition to a wide variety of travel rewards | | | | unfortunate fact that new technologies often breed |
| programs, there are also several cash back rebate | | | | new opportunities for criminals. Credit card fraud has |
| deals and student credit card offers. Let us take a | | | | become a billion dollar business worldwide. In order to |
| look at the features offered through Bank of | | | | protect yourself, always choose a credit card that |
| America cards to see how they may, or may not, | | | | covers you with 100% protection against theft, fraud |
| suit your financial needs. | | | | and unauthorized use, regardless of the bank or |
| 1. Balance Transfers - Most Bank of America cards | | | | credit card issuer. |
| offer 0% APR on balance transfers for a period of 6 | | | | 5. Annual Fees - Annual fees have become a bit of |
| - 12 months. If you happen to carry a monthly | | | | an afterthought when people review and compare |
| balance on your current cards, you may want to | | | | credit cards. There is virtually no escaping balance |
| consider taking advantage of a balance transfer offer | | | | transfer fees. They usually run at around 3%, but are |
| to save money on interest payments. They also | | | | capped at $150. Annual fees, however, are a |
| allow you to pay off more of the principle with the | | | | different story. You will find that most travel reward |
| money you would have otherwise of been spending | | | | credit cards have annual fees. Be sure to compare |
| on interest. | | | | them and decide if the rewards warrant you paying |
| 2. 0% APR on Purchases - As an incentive to attract | | | | those fees. |
| new customers, most credit card companies offer | | | | As with all credit card offers, the terms and |
| 0% interest on all new purchases for periods of 6 - | | | | conditions of the Bank of America credit cards that |
| 12 months. Bank of America cards feature these | | | | you are interested in should be studied carefully to |
| introductory offers as well. These types of deals can | | | | determine if that offer is a good financial fit for you |
| be beneficial to the consumer who is planning on | | | | and your consumer needs. The best way to find the |
| making a sizable purchase and would like some time | | | | appropriate card for you is to do a side by side |
| to pay it off in fill. | | | | comparison of the benefits and features of each |
| 3. Rewards Programs - If you travel often then you | | | | card you are interested in. Then, upon gathering all |
| will definitely want to take a look at the various | | | | the facts, you will be prepared to apply for the card |
| travel rewards programs offered through B of A. | | | | of your choice. |