FIA Credit Card

Are you interested in a finding a new credit card? FIA credit cards may be right for you.

Find Out About Easy to Get Credit Cards

FIA Card Services is a subsidiary of Bank of America. The company was formed in 1982 and offered credit cards under their former name, MBNA. In 2006, Bank of America purchased the MBNA Company and subsequently offered FIA credit cards. As far back as the mid-1990s, these credit cards were the first to offer over 200 sports teams pictured on their cards as well as personalized credit cards.

FIA offers personal credit cards with attractive features:

• Low or zero percent balance transfers
• Online bill paying
• Spend tracking
• Mobile banking
• Online statements
• Fraud protection service
• Year-end financial statements
• Travel accident insurance
• Special services for travelers and shoppers

FIA Card Services offers a variety of credit cards issued by third financial companies and organizations. Here is a summary of the cards they offer along with benefits:

Each of the credit cards FIA offers have different interest rates, balance transfers, rewards, and an ongoing interest rate. Here is a summary of each one:

• Chase Freedom SM Credit Card – With this card you’ll get fifty dollars cash back with your first purchase and earn one rewards percentage point for every dollar you spend. There are limits and maximums with the rewards program and rewards must be redeemed through their reward center or for airline travel. Cardholders can also earn up to three percent for every dollar spent each quarter as long as the account is in good standing.
• Discover More Card/American Flag – This card has no annual fee and offers zero percent APR for the first six months. Earn up to five percent cash bonuses and redeem them at dedicated retailers and restaurants. Earn up to twenty percent cash bonuses for top retailers and redeem through their rewards center.
• Discover More Card – This card offers free online management tools, zero percent APR for up to six months and five percent bonus rewards on each dollar you spend. Reward bonuses can be redeemed at selected retailers or through the rewards center.
• Slate SM From Chase – The Slate Blueprint card has a zero percent APR for up to twelve months and offers services on avoiding interest, paying off large purchases, and spending trends. No reward bonus credits are available with this card.
• Biodegradable More Card – "Put more green in your wallet," is this card’s statement. It is made of biodegradable plastic where 99 percent will dissolve if in a landfill. Enjoy zero percent APR for up to six months and earn up to 5 percent bonus rewards to spend at selected retailers and restaurants.
• Preferred Rewards Gold Card – This American Express card offers 10,000 membership reward bonus points if you spend five hundred dollars in three months which will get you a one hundred dollar gift card. While this card doesn’t offer the zero percent APR, it does focus on high rewards, exclusive access to event tickets, purchase protection, a global assist hotline, and no pre-set spending limit.

As with an credit card you apply for, read the terms and conditions. A credit card may offer a low APR for purchases if the full balance is paid at billing time, however, if not paid in full, a larger APR will apply as an ongoing charge.

The rewards programs do have limits on some of the FIA credit cards and if you apply online, you only get a snapshot of the terms and conditions so make sure you call or download all of the terms and conditions before you apply.

To find out which FIA cards do raise interest rates, read the cardholder agreements first. As with any credit card, stay smart and try and pay your balances in full and avoid using the credit card for living expenses.

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