Bank of America Master Card

There is a wide variety of Bank of America Master Card credit cards available, each designed to meet different needs of cardholders. Be sure to review all of the cards offered to find the perfect program for you.

Bank of America offers many different Mastercard credit cards - some are platinum cards and others offer gift cards and merchandise or unique features such as:

• 0% APR – Avoid paying interest for the first twelve billing cycles.
• Travel rewards – Earn points for everyday purchases and redeem them on air travel, hotel accommodations and car rentals.
• Cash back – Earn cash rebates for purchases made with your credit card.

Most Bank of America Master Cards offer the same fees and rate ranges. The amount of the standard APR, which is the APR after the promotional timeframe, depends on the credit score of the cardholder. The main difference between the cards is the type of rewards associated with the each card. For example:

• WorldPoints Platinum Plus MasterCard – This card lets you earn an unlimited number of reward points. You can redeem the reward points for cash or choose from WorldPoints rewards such as cash, gift cards and merchandise discounts. As a platinum cardholder, you also receive additional benefits including Zero Liability fraud protection, concierge services and purchase replacement and warranty extension.
• World MasterCard with WorldPoints – This card has the same reward programs as the WorldPoints Platinum Plus MasterCard.
• Cash Rewards Platinum Plus MasterCard – This credit card gives one percent cash back for purchases made with the credit card with no limit on how much you can earn. It is a platinum card, so you also receive additional benefits including Zero Liability fraud protection, concierge services and purchase replacement and warranty extension.
• Elite Rewards World MasterCard – This card is designed for individuals who want to earn free and discounted travel. Purchases using this card earn rewards for air travel with no blackout dates, hotel accommodations, Avis car rentals and retail gift certificates.
• Home Advantage MasterCard – This card is designed for homeowners who want to earn unlimited points which they can redeem for payments to their mortgage provider. They can also earn rewards to spend at home improvement, home furnishing, and electronic stores such as Lowe's, Home Depot, and Best Buy. Points can also be redeemed for travel rewards, merchandise, gift certificates and cash.
• TripRewards Platinum Plus MasterCard – This card provides travel rewards and may be the perfect program for cardholders who are business and leisure travelers. This card earns points on qualifying hotel stays as well as all other retail purchases.

Bank of America offers a wide assortment of MasterCard credit cards that have a card design that is specific to a particular interest of the cardholder. These cards each have unique rates and features. Cards are available for:

• College alumni
• Automotive brands
• Sports activities and teams
• Health and social causes
• Nature and wildlife causes

Several of the Bank of America MasterCard credit cards are offered with a special promotional offer. These offers can include anything from zero percent APR on purchases and cash advances for twelve billing cycles to a $50 credit on your statement if you use your new card within 45 days for a purchase, balance transfer or cash advance.

These offers can provide you with an opportunity to transfer balances from high APR cards and to pay down your credit card balance. Be sure to check the expiration date of the offer and make an evaluation of whether the card will still be a good financial decision for you once the promotional period expires.

The Bank of America website makes it easy and fast to apply online for any of the above credit cards as well as any of the other Visa and MasterCard credit cards that they offer. You can apply online and usually receive a response within 60 seconds.

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