For business owners and family members alike, a credit card offer that includes a way to earn points toward travel is a great deal. A travel reward credit card is one that gives you the ability to earn credit with various aspects of the travel experience simply by using you card when you make your every day purchases. The Bank of America credit card that offers this service with the most flexibility is the Choice Privileges Visa Platinum Card.
Credit card features:
Of the many attractive features offered on the standard Bank of America credit card, the twenty four hour customer service and online banking capability are the most used. You can contact a Bank of America specialist from anywhere in the world at any time of day or night. So when you are using your travel reward credit card on your vacation or business trip and have a question or concern, simply dial the toll free number provided with your information packet upon sign up.
In addition, you have the ability to do all your credit card account activities online. The Bank of America website, http://www.bankofamerica.com, offers enough resources for you to complete payments, check payment and spending history, and check your current interest rate all on the Internet. You can also apply for a new card, transfer balances from other existing cards, and check out the latest credit card offer from a leading lender, Bank of America.
With a platinum Bank of America credit card, you also get the advantages of no annual fee when you are a card member. In addition, the Choice Privileges Visa Platinum card offers you a lower annual percentage rate (apr) for the first six months of your new card membership.
Choice Privileges:
The travel reward credit card is special due to the card holder's ability to earn rewards that they can use toward their next trip. With the Choice Privileges Visa Platinum card, you can earn points with each dollar you spend that are then translated into a number of travel perks.
You can use your points toward free night stays at a hotel of your choice. Bank of America partners with hotels to offer you over four thousand locations worldwide to choose from. What other credit card offer can give you that? You can also redeem your points for discounts on entertainment and merchandise at specific travel destinations and theme parks.
If you fly when you travel, the Choice Privileges card can help you earn free airline tickets. When you accumulate enough points, you can redeem them for air travel on many major airlines. You can also use your points at a restaurant or retail store in your selected destination. Think of the money you could save with a Bank of America credit card.
One of the best features of the Choice Privileges Visa Platinum credit card is not what it can bring you in terms of rewards, but what it allows you to give others. Bank of America allows you to use your points toward a cash donation to the Armed Forces Relief Fund, a worthwhile cause and a great way to use your extra money.
The credit card reward program is by far the most attractive benefit of the card and is ideal for those who frequently stay at any of the Choice Privileges hotel locations. Cardholders earn two points for each dollar spent on general purchases and 15 points for each dollar spent at Choice Privileges locations throughout the U.S., Canada, and Mexico, including Comfort Inn?, Comfort Suites?, Quality?, Sleep Inn?,
Clarion?, and MainStay Suites?. New applicants also receive 8,000 bonus points after their first purchase, which is enough for a free night at over 1,000 Choice Privileges locations.
Most Attractive Features:
No annual fee; No yearly limit on points earned; First Purchase bonus free night; There is no yearly limit on the number of points that can be earned;
The card offers a low apr credit card introductory rate that can be applied toward purchases and balance transfers for the first six billing cycles with no annual fee.
In addition to the reward program, this card offers common platinum benefits provided by Bank of America, N.A. (USA) that include up to $500,000 in travel accident insurance, auto rental insurance, and lost luggage insurance.
Those who frequently stay at any of the Choice Privileges hotels (to earn additional points) and plan to pay in full each month (to avoid finance charges) will find the Choice Privileges? Visa? Platinum to be very beneficial.
Earned points can be redeemed for free hotel stays, gift certificates to retailers and restaurants, and airline miles with many major airline partners.
Points per Dollar: 2 Points
In addition, there is a unique donation option that allows cardholders to redeem their points toward donations to the Armed Forces Relief Fund and UNICEF.
Least Attractive Features: Not all applicants may qualify for the lowest rate offered;
APR based on the highest Prime Rate during a three-month period.
Any points earned in a calendar year will expire on December 31st of the second calendar year following the year during which the points were earned.
Although the low interest rate for purchases and credit card balance transfer is considered reasonable for a reward credit card, it is not ideal for those who plan to carry a balance after the introductory rate expires.
Note
It is strongly recommended that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Both S.e. Kirk & George Allen are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
S.e. Kirk has sinced written about articles on various topics from Credit Cards. S.E. Kirk is the owner of and