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https://wwwn.applyonlinenow.com/USCCapp/Ctl/entry?sc=FAB49I
DETAILS OF RATE, FEE, AND OTHER COST INFORMATION As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.
Annual Percentage Rate (APR) for Purchases Standard APR:
9.99% or
15.99%
The APR you receive is determined based on your creditworthiness. See explanation 1 below for Default APR.
† Other APRs Balance Transfers: 0% Introductory APR applies to Balance Transfers through your first 12 statement Closing Dates (the Promotional Period). When the Promotional Period ends, the Standard APR for Balance Transfers is 9.99% or 15.99%. The Promotional Period will end sooner if your payment is late or the account balance is over the credit limit. See 1 and 2 below for explanation.
Cash Advances: 0% Introductory APR applies to Direct Deposits that are not processed online (non-online Direct Deposits) and Check Cash Advances through your first 12 statement Closing Dates (the Promotional Period). When the Promotional Period ends, the Standard APR for non-online Direct Deposits and Check Cash Advances posted to your account either during the Promotional Period or before January 19, 2008 is 9.99% or 15.99%. Non-online Direct Deposits and Check Cash Advances posted to your account on or after January 19, 2008 and after the end of Promotional Period will be subject to the Standard APR for Direct Deposits and Check Cash Advances of 24.99%. The Promotional Period will end sooner if your payment is late or the account balance is over the credit limit. See 1 and 2 below for explanation.
The Standard APR for Bank and ATM Cash Advances and for online Direct Deposits is 24.99%.
Cash Equivalents posted to your account on or after January 19, 2008 will be Cash Advances subject to the Standard APR for Bank and ATM Cash Advances. Cash Equivalents include the purchase of money orders, foreign currency, and travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips and, as of January 19, 2008, will include fines and bail bonds.
Default APR: Up to 29.99% for all Purchase, Balance Transfer, and Cash Advance balances if late or overlimit. See 1 below for explanation.
Grace Period for repayment of balance for Purchases At least 20 days from the statement Closing Date (provided you fully paid your New Balance Total from the previous statement by its Payment Due Date). See 3 below for explanation.
Annual Fee None.
Method of computing the balance for Purchases Average Daily Balance
(including new transactions).
Transaction fee for Purchases Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such purchase (minimum $10). Transaction fee for Cash Equivalents posted before January 19, 2008: 3% of each such purchase (minimum $10). Non-promotional Cash Equivalents posted to your account on or after January 19, 2008 will be Cash Advances and will be subject to the transaction fee for Cash Equivalents as noted below. Transaction fee for Balance Transfers, non-online Direct Deposits and Check Cash Advances: 3% of each such cash advance (minimum $10). See 4 below for explanation.
Transaction fee for Bank and ATM Cash Advances and online Direct Deposits: 3% of each such cash advance (minimum $10).
Transaction fee for Overdraft Protection Bank Cash Advances (if enrolled): 3% of each such cash advance (minimum $10).
Transaction fee for Cash Equivalents: 3% of each such cash advance (minimum $10).
Late Fee: Based on your balance as of the day the fee is assessed - $15 if $100 or less; $29 if between $100.01 and $250; $39 if $250.01 or over.
Overlimit Fee: Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if $1000.01 or over.
1 Each time your minimum payment is late (i.e., not received by 5 p.m., ET, on its Payment Due Date), or the account balance is over the credit limit, we may increase each of your account's Standard APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances.
If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. This means that balances with higher APRs are not reduced until balances with lower APRs have been paid off.
2 The Introductory APR is effective upon the opening of your account and does not apply to Purchases, Bank and ATM Cash Advances, or online Direct Deposits. When a Promotional Period ends, the Standard (non-introductory) APR is applied to new and outstanding balances (consisting of Balance Transfers, non online Direct Deposits, and Check Cash Advances). If your payment is late or the account balance is over the credit limit, either the Standard APR or the Default APR will be applied to those balances as of the first day of the billing cycle in which the payment was late or the balance exceeded the credit limit. We reserve the right to change the Standard APRs and the Default APR on your account. REMINDER: To preserve the grace period for new purchases, pay your New Balance Total in full and on time. The 0% APR does not apply to Purchases.
3 The number of days between your statement Closing Date and your Payment Due Date (the grace period) may vary from one Billing Cycle to another.
4 We include Transaction Fees when computing finance charges. Incurring Fees results in an APR exceeding 0% for the billing statement on which Fees appear. The Daily Periodic Rate (DPR) will remain 0% as disclosed.
American Express (1) converts charges made in foreign currencies to U.S. dollars using a rate selected on the business day prior to the day on which the charges are processed by American Express and (2) applies a 1% commission to the converted amount. See the Credit Card Agreement for details.
American Express Cards are not presently accepted for the purchase of bets, lottery tickets, or casino gaming chips.
AGREEMENT I have read the accompanying Credit Card application, and everything I have stated is true. I am at least 18 years of age. I authorize FIA Card Services, N.A. (hereinafter "you" or "your") to review my credit and employment histories and any other information in order to approve or decline my application, service my account, and manage your relationship with me. I consent to your sharing of information about me and my account with the organization, if any, endorsing this credit card program. I authorize you to share with others, to the extent permitted by law, such information and your credit experience with me. In addition, I may as a Cardmember later indicate a preference to exempt my account from some of the information-sharing with other companies ("opt-out"). If I accept or use an account, I do so subject to the terms of the application, the "Details of Rate, Fee, and Other Cost Information," and the Credit Card Agreement as it may be amended; I also agree to pay all charges incurred under such terms. Any changes I make to the terms of the application will have no effect. I understand that the Annual Percentage Rate I receive will be determined based on my creditworthiness. I accept that on a periodic basis my account may be considered for automatic upgrade at your discretion. I consent to and authorize you, any of your affiliates, or your marketing associates to monitor and/or record any of my phone conversations with any of your representatives.
*BALANCE TRANSFERS. If the total amount you request exceeds your credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Cash Advance Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur finance charges from the transaction date. Balance Transfers are subject to transaction fees in the amount of 3% of the transaction (minimum $10). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A.
**Limitations and exclusions apply to benefits described here and in the Guide to Coverage. Refer to Guide for complete details and restrictions. Car Rental Loss & Damage Insurance (which provides coverage in excess of other insurance) and Travel Accident Insurance plans underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, Warren, NJ. Emergency Assistance Service and Emergency Roadside Assistance provided by AXA Assistance USA, Chicago, IL. Emergency Assistance and Emergency Roadside Assistance available to your when you have made at least one (1) purchase with your Card in the prior 12 months. Retail Protection and Extended Warranty plans provide coverage in excess of other insurance under a master policy of insurance issued by Virginia Surety Company, Inc., Glenview, IL. In arranging card benefits, an American Express entity may act on behalf of the insurer and receive compensation that may vary by insurance provider and product. An American Express entity also may act as reinsurer and receive reinsurance income. Concierge service provided by Les Concierges, Inc. You are responsible for the cost of goods and services arranged on your behalf. The Identity Theft Recovery Unit is provided by Intersections, Inc.
The information contained in this advertisement was accurate as of 1/2008. The information may have changed after that date. To find out what may have changed you may contact Bank of America, for specific information by calling 1-800-932-2775 or by writing to P.O. Box 15020, Wilmington, DE 19850.
We use your e-mail address to communicate with you about your application and/or account. The Bank of America Privacy Policy is available at bankofamerica.com and accompanies the credit card.
Comprises of Travel and Foreign Exchange locations of American Express. Not all services are available at all locations and are subject to local laws and cash availability.
§WORLDPOINTS®. Rewards begin at 2,500 points for cash/merchandise and 25,000 points for air. Air rewards subject to maximum dollar value and special air arrangements require payment of additional points and a processing fee. Earn unlimited points. Earn 1 point per dollar of new net retail purchases charged to the card each month. Point earnings are rounded to the nearest whole point. Cash advances, including balance transfers, purchases of money orders or other cash equivalents, out-of-network payments made through the Bill Pay Choice™ service, purchases made by or for a business or for a business purpose, and unauthorized/fraudulent transactions do not earn points. Points valid for 5 years. Air rewards from AK, HI, or PR limited to mainland U.S. unless fare paid to U.S. Gateway. Points and/or rewards may not be combined with other discount or reward programs, unless specifically authorized by Bank of America. Online merchandise catalog has widest selection of rewards; abridged pamphlet sent upon request. Cash reward check expires 90 days after date of issue. Cash rewards not transferable. Other significant terms apply. Program terms may change. For more information, visit www.bankofamerica.com/rewards. Details accompany new account materials. All cardholders receive WorldPoints program benefits.
Total comprised of Travel and Foreign Exchange Services locations of American Express. Not all services are available at all locations and services are subject to local laws and cash availability.
The WorldPoints program is managed in part by independent third parties, including a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87892086); Washington (6011237430) and other states, as required.
§§ To qualify for this offer, your new account must be used to make any purchase, balance transfer or cash advance transaction totaling $25 excluding any transaction fees, if applicable within 45 days of the account open date. Limit one (1) statement credit per new account. The Bank of America Rewards American Express® Card credit card offer is subject to application approval by FIA Card Services, N.A. After qualifying transaction(s), a $100 credit will appear on your Bank of America Bank of America Rewards American Express® Card credit card statement. Allow 8-12 weeks from qualifying to receive the promotional credit.
This credit card program is issued and administered by FIA Card Services, N.A. Any account opened in response to this application shall be governed by the laws of the State of Delaware. American Express is a federally registered service mark of the American Express and is used by the issuer pursuant to license. Intersections and Identity Theft Recovery Unit are service marks of Intersections, Inc. Bank of America is a registered trademark of Bank of America Corporation.
©2008 Bank of America Corporation. |
