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Founded in 1998 and headquartered in Charlotte, North Carolina, Bank of America is a multinational banking and financial services company that offers credit cards.
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Bank of America offers a few different credit cards with introductory rates of zero percent for the first 12 to 18 months. After that, rates range from 11.24 percent to 23.24 percent*, which is very competitive within the industry.
Bank of America offers a variety of rewards programs that cardholders can participate in and earn travel points, bonuses, and cash back. Earned rewards are easy to convert into cash or prizes.
Because Bank of America thinks that its important to provide its customers with tools to help them understand their credit, the company provides consumer cardholders with access to a free monthly FICO score from TransUnion. With this feature, cardholders can see key factors that are impacting their score, track recent scores month-to-month and compare them to national averages, and learn about credit and strategies for keeping their credit healthy.
Bank of America provides tips on how to prevent fraud and invests in fraud protection technology in order to shield its cardholders from fraud. Visit Site
Bank of America charges annual fees up to $99 depending on the card. There are several other credit card companies that do not charge any annual fees at all.
For every late payment, Bank of America cardholders will incur a fee of up to $37.
Bank of America charges a foreign transaction fee of 3 percent, which is one of the highest in the industry.
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I’ve had a Bank of America card for 30 years. I rarely use it now that I have it paid off, because they kept raising my rate even when I always paid my bill on time.
Bank of America credit card is a reliable company. They offer competitive rates. I don’t receive extra travel points with mine but I know some do.
I am alway losing credit cards. They are so great about it. They give me a temporary and the very next day, I have my new card. They are also very helpful and kind about helping check if there is any activity on my lost or stolen card.
Terrible website design. But I like the Alaska Airlines credit card. A good companion pass offer helps to offset the cost of the yearly fee.
Extremely slow to post your payments-it is now 35 days and although my balance is $1,200 they have reported $10,500 to the credit reporting firms. After contacting them I was told to be patient, certain things take time. Like how about doing your job correctly. Very nasty and snippy to talk to a customer rep said well maybe you just want to cancel your card? No problems it is done. They also refuse to process any charges for firearms and I would like to know how they can abrogate the 2nd Amendment and no I am not a gun nut but feel if you have been cleared and can qualify for a charge card they have no right to say no unless they are paying for the purchase! Tired of continual problems with their failure to post payments.
Bank of America is my family’s go to for credit cards and they have never let us down.
Not only did I get an awesome card, I got a great rate and cash back as well.
Normally it is month to month business...they did alert me when my card was being used by a thief.
Great fraud support and good cash back option that pays every month
I get air miles. They protect me.They work well with me when I have a problem.
Great benefits . No waiting on phone as a platinum honors member
The card features are great and the customer service is excellent.
Great security but rewards very restrictive
They are on top of any charges made. They question any different or odd charges to prevent fraud
No respect either way- They don't respect me and I have no respect for them.I do not have any trust in them.
not good nothing great or different very typical commercial Drive and all the same
They always alert me charges when they occur. If they aren't my charges I can quickly contact B of A and get things straightened out
Jarred was most helpful, very patient with me as I am 87 yrs old.
Amber in customer service was amazing... knowledgeable, polite, patient, helpful. The best customer service representative I've ever worked with. You are lucky to have her.
Nothing but good experiences, If in doubt they provide great customer services
All good experience as with customer service
Very difficult to deal with a mature rep when you have a financial hardship. They are all children!
Customer service access is extremely difficult.
Rates not the best, I wish the rates were lower. After years of service they could offer customers lower Rates. I would refer my friends if they were cheaper.
Bank of America is the crown jewel of all credit cards. It has a number of perks and points to keep you using it all the time.
High Interest is what gives it a 4 star. It make is hard to pay down because of this
Ease of use. Excellent customer service. Knowledgeable team members
Many years of good service, but 1 contentious erroneous charge, which was VERY had to get resloved.
Very easy process. Everything was a seemless. From the initial call to installation everything has been handled well. We are very happy!
great terms, cash back, early bonus given if spend so much in for 90 days
I like getting the travel points, I've used them to travel to Porto Rico just before the hurricane, an experience I can't have again.
We use the Alaska Airlines bank of america card. I like the card itself. But I usually don't look forward to trying to get done anything on their website. It is a pretty poor user experience. However, the mileage plan is great and we build up miles so fast. We have gotten quite a few free flights. Great deal!
IT HAS GREAT BONUS AND IS ACCEPTED EVERYWHERE
Trusted and no issues at all using at all places.
The cash back is pretty decent. Low interest rates
Interest rate, easy to work w/& reward miles
Good App and website. Good customer service but very hard to reach (especially if outside the U.S.)
Never got statements and they charged late fees, cancelled card
No hassle and easy to use - easy balance transfer and easy to notify of travels.
Annual summary of categorized charges. e.g. Medical bills