Bank of America WorldPoints Credit Card

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Bank of America WorldPoints Credit CardThe Bank of America WorldPoints card is a widely-accepted credit card that offers reward points that can be exchanged for cash, merchandise, gift items, hotel accommodations, airfare and even car rentals. Cardholders accumulate plenty of points every time they use the credit card. In fact, this card program has been designed for individuals who always wanted to have rewards of their choice while shopping or making ordinary purchases.

Earning Points with Bank of America WorldPoints

Accumulating points under this Bank of America credit card is easy and without limits. Basically, every dollar charged to the WorldPoints credit card earns the cardholder one reward point. But a cardholder can be entitled to up to 10 times bonus points when shopping is done in the WorldPoints’ Mall, which is made up of hundreds of Internet-based stores that Bank of America has partnered with. To be able to redeem rewards, a cardholder needs to accumulate a minimum of 2,500 points.

Fees and Interest Rates

The Bank of America WorldPoints credit card offers 0% annual fee and annual percentage rate (APR) during the starting year or first 12 billing periods. However, this will only apply if the cardholder pays the bills on time and does not exceed the credit limit.

Benefits of Using the BOA WorldPoints Credit Card

  • Enjoys wide acceptance all across the United States and other major locations around the world.
  • Has an option that entitles cardholders to big cash advances.
  • Provides convenient and easy way for cardholders to accumulate and keep track of reward points.
  • Offers a wide variety of reward items for cardholders to choose from.
  • Automatically approves credit limit increases without running a cardholder’s credit rating.
  • Provides full coverage against unauthorized or fraudulent use of the credit card.
  • Has 24/7priority customer service via toll-free number and online tools that allow cardholders to manage their accounts via the Internet.
  • Emergency cash payout available in more than 160,000 ATM locations.

Drawbacks of the BOA WorldPoints Credit Card

  • Many clients criticize the slow-paced or the lack of customer service.
  • Some cardholders complain about the card’s normal interest rates, which are comparatively higher than most other card programs.

As of this writing, approvals for Bank of America WorldPoints credit cards have been limited. So, it may be difficult for anyone to qualify for this credit card program. This is yet another effect of the recent financial crisis. Also, the credit limit that a person can get approved for can vary according to his credit rating. Lastly, it is always a good idea to first compare different credit card programs before applying for one. Doing so will give you more insights on which program is best for your needs. Get started comparing credit card offers now!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

3 Cardholder Reviews for the “Bank of America WorldPoints Credit Card”

  1. Melissa Vawter says:
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    I had a Bank of America Platinum Card for 20 years. No problems ever. With my Platinum card, they would even waive the Annual Fee if I called in and asked. Four months ago, January, an unrequested Bank of America WorldPoints card comes to me in the mail claiming it was an upgrade. I activate the card thinking it was my old card. Well, now it is April and they have charged me a Late Fee of 32.99 and 26.92 Interest Charge on a bill that was not paid late. And on this month’s bill, they have charged me another Interest Charge of 49.10 on a card free of all balance. They are liars and cheats. I feel so ripped off. I have paid a 20.00 Annual Fee already to use this fraudulent card. They have stolen a total of 129.01. The customer service does not help the customer. BUYER BEWARE!!!

  2. JERRY says:
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    Yes, there are no annual fees but tf you’re looking at the card to accumulate points using the Bank of America’s WorldPoints program – I would recommend that you look elsewhere. A few months back, they increased the points needed for a $100 gift card from 10K to 12K without any prior notice to their customers. Also, they also have a rolling expiration of your points if your don’t redeem them. I guess I had some really old points from 5 years back and they’re now expiring. So not only do they have 1 of the lowest dollar to points conversion, the points will expire and they keep raising the bar for redeeming. Hence, it’s like a moving goal post that keeps moving further away from you as you attempt to reach it to redeem. I’m cancelling my card! Stay away from this card and don’t be a sucker for it like I was. Talking to their Customer Support is pointless (like the pun?) – their agents are clueless and the supervisor I spoke to gives a “oh well… that’s how it is!”. STAY AWAY!

  3. Robin Emig says:
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    I have been a Worldpoints credit card holder since 2001. I have automatic deductions I authorized for hundreds above the minimum payment for years. In renewing payments last fall, BAC has been taking 2 ach payments from my account for months. I did not authorize this 2nd ach and to date have taken thousands extra from my account within 24 hours of their request. I have called severasl times and been given different time frames for returning my overpayments from their error. When I request a supervisor I either get hung up on or outright told no they will tell me the same thing. I have been told it will take 5-10 business days, 2-5 business days. Today when I called I was told that the 5-10 days starts from today, not the day I originally called. I was told I was given misinformation and that the time frame had to start today again. On the first call they admitted they took double payments but today am told it needs to be researched. The time frame is because I don’t have a BAC checking account. Funny how they can take it from a different checking account the same day they put an ach through. The supervisor even asked me why I called 3 times. Both times prior I requested the 2nd ach be stopped and was told it had been taken off. Today it still wasn’t stopped, but am assured the request was processed today. How can I believe a word I am told? Small businesses are at their mercy even if 2nd acg was taken illegally with no authorization?

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