I've had this Bank of America (formerly MBNA) mastercard for over 10 years and am a satisfied customer. The 9.9 % APR is better than that offered by many other companies. The credit limit has increased by $20,000 over the years. The WorldPoints is a nice feature that adds to an already good deal.

I've had this card for several years and it is the one I use most. The APR is great and the customer service is great. My limit started at 5000 and has increased to 25,000 , very generous. The rewards arent the best, but I dont use it because of that. I use it because of the APR.

Two years ago I received this card when I signed up for a Bank of America checking account. It was my first credit card and needless to say, in the beginning I said "emergencies only," and of course you know what happened: Everything seemed like an emergency and a type of "Oh, I'll just pay the minimum amount." Well, I am now repaying it back but I have no complaints. They even let me get on a payment plan where as long as I pay (a much lower) fixed amount each month. They really worked with me in finding a great option to pay off this credit card and I will never be able to thank them enough for how helpful they have been to me!

Last year I qualified for this card and I was supposed to ear some points everytime I used it for gas or groceries. I came to realize that it wasn't anything short of not the truth. Other than that, their interest was ok. In my case at least.