In essence, credit cards are like always-ready loans---often with very high interest rates. But some banks offer credit cards with attractive benefits that make using the card quite advantageous. The Bank of America Visa World Points Reward program offers such a credit card with premium services, benefits and rewards.
Annual Perentage Rate
As of March 2010, the Bank of America Visa World Points credit card offers a zero percent introductory APR for the first 12 months on all balance transfers and cash advance checks. After the first 12 billing cycle, there is a relatively low fixed APR rate for all purchases using the card. There is a 7.9 percent APR for regular and platinum plus accounts and a 13.99 percent APR for preferred accounts. Additionally, there is no annual fee for using the card.
Rewards Program
There is a point-earning program for every dollar spent in net retail purchases which can be redeemed for cash, gift certificates, merchandise, travel, dining certificates and more. Furthermore, the customer has access to a service called "MyConcierge" which acts as a personalized assistant, providing help and advice on a variety of things from gift ideas to planning a party.
Security
Customers are assured of worry-free service as any unauthorized charges are taken care of. In fact, the card offers complete fraud protection so someone's crime does not become your expense.
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