Average Rating
This American Express credit card has a low APR and the flexibility to choose from different types of rewards. There's no annual fee and a 0% APR for the first 12 billing cycles if you mind the credit limit and make your payments on time. For every dollar you spend you earn one point that can be redeemed for cash, unrestricted travel, hotel benefits, car rentals, sports memorabilia, marquee events and more. But you'll need at least 2,500 points to start collecting your rewards, so be ready to swipe that card.
| Annual Fee | No Annual Fee |
|---|---|
| Purchase APR | As Low As 11.99 % , Variable |
| Balance Transfer APR | 0.00 % |
| Balance Transfer Period | Up to 12 months |
| Card Type | Travel/Entertainment |
| Grace Period | 20 Days |
The rate information on this page is powered by Informa Research Services, Inc. © 2008, and was last updated 07/04/2009 3:05:57 AM . This information has been obtained from various financial institutions, and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data. When contacting financial institutions, always mention FiLife.com to ensure you receive the preferred Internet rate. Contact pduncan@informars.com to have your rates included in this chart.
I really like this card. Whenever I call the customer service the wait time is almost always very short and the representatives are very friendly. I once had a problem about a charge with I wanted to dispute and it was done in just a minute. I remember doing the same thing with Chase and it was a nightmare. They actually asked me to mail them a form to dispute the charge.
I have been owning multiple credit cards for a long time now and use them more often than I can sometimes afford. With the other companies I have run into trouble many times but Bank of america has always waived the penalties. All in all the service has been very good.
if you use your credit card a lot i would recommend this card. i have really enjoyed the points system, there are a lot of great rewards. their online site is also very easy to use
| Type | Today | Week Ago |
|---|---|---|
| 15 Year Fixed | 5.01%  |
5.12% |
| 30 Year Fixed | 5.48% |
5.60% |
| 1 Year ARM | 3.79% |
3.80% |
| 5/1 Year ARM | 4.08% |
4.16% |
| Type | Today | Week Ago |
|---|---|---|
| Line of Credit | 4.79% | 4.79% |
| 10 Year Loan | 7.62% |
7.66% |
| 15 Year Loan | 7.75% |
7.79% |
| Type | Today | Week Ago |
|---|---|---|
| Interest Checking | 0.29% | 0.29% |
| Money Market/Savings | 0.42%  |
0.43% |
| 12 Month CD | 1.34% |
1.36% |
| 60 Month IRA CD | 2.45% | 2.45% |
| Type | Today | Week Ago |
|---|---|---|
| Cash Back Cards | 11.62%  |
11.49% |
| No Annual Fee Cards | 11.55% |
11.52% |
| Reward Cards | 12.08% |
12.02% |
| Small Business Cards | 10.88% | 10.88% |
| Student Cards | 14.85% | 14.85% |
| Platinum Cards | 11.58% |
11.54% |
