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	<title>Credit Card Watcher &#187; Bank of America</title>
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	<link>http://www.creditcardwatcher.com</link>
	<description>Keeping an eye on the best credit card offers</description>
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		<title>Holiday Credit Card Promotions and Deals Roundup</title>
		<link>http://www.creditcardwatcher.com/holiday-credit-card-deals-and-promotions-and-deals-roundup-11/</link>
		<comments>http://www.creditcardwatcher.com/holiday-credit-card-deals-and-promotions-and-deals-roundup-11/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 22:08:05 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[American Express]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Capital One]]></category>
		<category><![CDATA[Chase]]></category>
		<category><![CDATA[Citibank]]></category>
		<category><![CDATA[Discover]]></category>
		<category><![CDATA[MasterCard]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=2452</guid>
		<description><![CDATA[<p>With Black Friday and Cyber Monday nearly upon us, credit card companies have welcomed the shopping season with a number of special deals and promotions designed to woo your spending. Want to get the most out of your holiday purchases? Check out this massive list of limited-time offers. American Express American Express Cyber Week (Valid [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/holiday-credit-card-deals-and-promotions-and-deals-roundup-11/">Holiday Credit Card Promotions and Deals Roundup</a></p>]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.creditcardwatcher.com/holiday-credit-card-deals-and-promotions-and-deals-roundup-11/"><img src="http://www.creditcardwatcher.com/wp-content/uploads/2011/11/happy-snowman-credit-card.jpg" alt="Holiday Credit Card Deals" title="Holiday Credit Card Deals" width="134" height="134" class="alignright size-full wp-image-2476" /></a>With Black Friday and Cyber Monday nearly upon us, credit card companies have welcomed the shopping season with a number of special deals and promotions designed to woo your spending.</p>
<p>Want to get the most out of your holiday purchases?  Check out this massive list of limited-time offers.<br />
<span id="more-2452"></span><br />
<a href="http://www.creditcardwatcher.com/card/issuer/American-Express"><strong>American Express</strong></a></p>
<ul>
<li>American Express Cyber Week (Valid Nov. 21 through Nov. 30, 2011)<br />
50 different offers are available at a 20% discount from partners such as Banana Republic, Sony, Tumi and Cuisinart.  See the <a href="http://www.membershiprewards.com/myrewards" target="_blank">Membership Rewards</a> website for details.</li>
<li>Earn 5x Membership Rewards Points (Through Dec. 31, 2011)<br />
Earn extra points when you shop through <a href="http://membershiprewards.com/earn" target="_blank">membershiprewards.com/earn</a> at 20 select merchants, including Apple, Target.com, The Home Depot, and Brookstone. You can get 5X points on every qualified online purchase until the end of the year, automatically, with no enrollment required, made through <a href="http://membershiprewards.com/earn" target="_blank">membershiprewards.com/earn</a>.
</li>
<li><a href="http://www.membershiprewards.com/catalog/productdetail/?result_id=BBW3&#038;N=10000008&#038;aid=91462" target="_blank">B&#038;BW Gift Card Discounts</a> (Through Dec. 31, 2011 or while supplies last)<br />
Buy 4 $10 Bath &#038; Body Works gift cards, get 1 free</li>
<li><a href="http://www.creditcardwatcher.com/amex-cardmembers-get-a-free-25-while-supporting-small-business/">Small Business Saturday</a> (November 26, 2011)<br />
Spend at least $25 at a small business with your registered American Express card on November 26, 2011 and get a $25 statement credit.</li>
</ul>
<p><strong>Bank of America</strong></p>
<ul>
<li>Upromise Holiday Cash Back (Through Dec. 31, 2011)<br />
Earn an additional 11% cash back for college, in addition to the cash back you would normally receive, when making purchases through the Upromise.com shopping portal with your Upromise.com credit card.  See <a href="http://shop.upromise.com/mall/credit-card" target="_blank">this list</a> for participating retailers.
</li>
</ul>
<p><strong>Capital One</strong></p>
<ul>
<li>Perk Central Holiday Deals (Nov. 25 through Nov. 28, 2011)<br />During this period, Cap One is boosting its bonus rewards for purchases made with select retail partners through its online shopping portal, Perk Central.  Some retailers include: Landsend.com (100% rewards increase), Macys.com (40% rewards increase), Lego.com (100% rewards increase) and Gamestop.com (40% rewards increase).
</li>
</ul>
<p><a href="http://www.creditcardwatcher.com/card/issuer/Chase"><strong>Chase</strong></a></p>
<ul>
<li>Earn 5% on dining, department stores, movie theaters and charities (Through Dec. 31, 2011)<br />
When you register your <a href="http://www.creditcardwatcher.com/card/Chase-Freedom-Visa-200-Bonus-Cash-Back.php">Chase Freedom card</a> this quarter, you&#8217;ll earn 5% Cash Back on up to $1,500 spent on dining, department stores, movie theaters and charitable organizations.
</li>
<li>Chase Freedom Ultimate Rewards Discounted Gift Cards (Through Jan. 4, 2012)<br />
<a href="http://www.creditcardwatcher.com/card/Chase-Freedom-Visa-200-Bonus-Cash-Back.php">Chase Freedom</a> cardholders can save 20% on AMC and Bath &#038; Body Works gift cards when redeeming at the Ultimate Rewards mall. Save 10% on Banana Republic, Barnes &#038; Noble, California Pizza Kitchen, Gap, Kohl&#8217;s, Land&#8217;s End, Macy&#8217;s and Old Navy gift cards.
</li>
<li>Earn extra Reward Points for Shopping at ultimaterewards.com (Through Dec. 12, 2011)<br />
Earn an extra 10 points per $1 spent at the following retailers on the specified dates through the Ultimate Rewards Mall:</p>
<ul>
<li>Nov. 21 &#8211; Kohl&#8217;s</li>
<li>Nov. 25 &#8211; Best Buy</li>
<li>Nov. 28 &#8211; Apple Online Store</li>
<li>Dec. 5 &#8211; Target</li>
<li>Dec. 12 &#8211; Overstock.com</li>
</ul>
</li>
<li>Cyber Monday Discount (Valid Nov. 28, 2011)<br />
<a href="http://www.creditcardwatcher.com/card/Chase-Freedom-Visa-200-Bonus-Cash-Back.php">Chase Freedom</a>, <a href="http://www.creditcardwatcher.com/card/Chase-Sapphire-Preferred-Card.php">Sapphire</a> and <a href="http://www.creditcardwatcher.com/card/Ink-Bold-with-Ultimate-Rewards.php">Ink</a> cardholders can use their rewards points to shop through ultimaterewards.com on Cyber Monday to save 25% on all merchandise.
</li>
</ul>
<p><a href="http://www.creditcardwatcher.com/card/issuer/Citi"><strong>Citi</strong></a></p>
<ul>
<li>5% cash back on department, clothing, electronics and toy store purchases (Through Dec. 31, 2011)<br />
Upon enrollment of your <a href="http://www.creditcardwatcher.com/card/Citi-Dividend-Platinum-Select-MasterCard-Limited-Time-Offer.php">Citi Dividend card</a>, you&#8217;ll earn 5% cash back on at department, clothing, electronics and toy stores.  Your max rebate is capped at $300 per year, but does not apply to rebates earned through the Citi Bonus Cash Center, where you can earn an unlimited cash back.</li>
<li><a href="http://www.sweepstakes.stories.citi.com" target="_blank">Citi Holiday Sweeptstakes</a> (Through Dec. 31, 2011)<br />
Register and use your Citi credit card for a chance to win a $10 to $10,000 Citi prepaid card.
</ul>
<p><strong><a href="http://www.creditcardwatcher.com/card/issuer/Discover">Discover</a></strong></p>
<ul>
<li>5% Cashback Bonus on Restaurants and Fashion (Through Dec. 31, 2011)<br />
<a href="http://www.creditcardwatcher.com/card/Discover-More-Card.php">Discover More card</a> cardmembers can enroll to earn 5% Cashback Bonus on up to $300 in purchases at department stores, clothing stores and restaurants.</li>
<li>Increased Cashback Bonus through ShopDiscover (Through Dec. 31, 2011)<br />
Over 70 ShopDiscover retailers have increased their Cashback Bonus by 5%, with partners such as Crate and Barrel, Macy&#8217;s and Barnes &#038; Noble offering 10% for a limited time.  Other merchants are also offering free shipping on merchandise purchased through ShopDiscover.</li>
</ul>
<p><strong><a href="http://www.creditcardwatcher.com/card/issuer/MasterCard">MasterCard</a></strong></p>
<ul>
<li><a href="http://www.creditcardwatcher.com/get-a-20-mastercard-gift-card-just-for-spending-200-online/">“Here’s to Moms” Spend &#038; Get Offer</a> (Through Dec. 31, 2011 or while supplies last)<br />
Enroll your MasterCard in the promo, then spend $200 online to earn a $20 MasterCard gift card.  Must be one of the first 80,000 qualifying cardholders to complete the promo to receive your gift card.
</li>
</ul>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/holiday-credit-card-deals-and-promotions-and-deals-roundup-11/">Holiday Credit Card Promotions and Deals Roundup</a></p>]]></content:encoded>
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		<title>Farewell Sweet Schwab Card</title>
		<link>http://www.creditcardwatcher.com/farewell-sweet-schwab-card/</link>
		<comments>http://www.creditcardwatcher.com/farewell-sweet-schwab-card/#comments</comments>
		<pubDate>Thu, 15 Sep 2011 14:04:00 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Cash Back Cards]]></category>
		<category><![CDATA[FIA]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=2096</guid>
		<description><![CDATA[<p>The writing has been on the wall for quite some time. Arguably the best general purpose cash back credit card of all-time, the sweetness that was the 2% ex-Schwab card was bound to end sooner or later. Ever since the card stopped accepting new applications over a year ago, existing cardholders have been nervously speculating [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/farewell-sweet-schwab-card/">Farewell Sweet Schwab Card</a></p>]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.creditcardwatcher.com/farewell-sweet-schwab-card/" ><img src="http://www.creditcardwatcher.com/wp-content/uploads/2011/09/schwab-credit-card-rip.gif" alt="Schwab Credit Card" title="schwab-credit-card-rip" width="110" height="72" class="alignright size-full wp-image-2098" /></a>The writing has been on the wall for quite some time.  Arguably the best general purpose cash back credit card of all-time, the sweetness that was the 2% ex-Schwab card was bound to end sooner or later.  Ever since the card <a href="http://www.creditcardwatcher.com/schwab-visa-to-stop-accepting-new-applications/">stopped accepting new applications</a> over a year ago, existing cardholders have been nervously speculating when the party would end.  Well, doomsday now has a date: October 31, 2011.<br />
<span id="more-2096"></span><br />
Letters to existing cardholders have been going out over the past week, officially giving notice that the 2% cash back on rewards from the ex-Schwab card will only continue through the end of October.  Beginning in November 2011, cardholders will be transitioned to a new card.</p>
<p>The vast majority of customers will be switched into the new BankAmericard Cash Rewards card with no annual fee.  It earns 3% cash back on gas, 2% on groceries and 1% on everything else.  When you redeem your rebate into a Bank of America checking or savings account, you&#8217;ll also earn a 10% cash bonus.  Alternatively, customers can choose to be switched into the BankAmericard Privileges credit card.  It earns 1 point per $1 on all purchases with 3x points in rotating categories that change on a quarterly basis.    It also earns a 50% cash bonus when points are redeemed into a Bank of America or Merrill Lynch account.  The Privileges card carries a $75 annual fee which is waived for the first year.</p>
<p>There are also reports that a <a href="http://www.fatwallet.com/forums/finance/883571/m16227232/#m16227232" target="_blank">lucky few</a> have received a special targeted offer for a Cash Premier Visa card that offers a 2.5% cash rebate on all purchases when deposited into a Bank of America account for an annual fee of $25.</p>
<p><strong>What&#8217;s the next best thing?</strong><br />
Needless to say, while the Bank of America Cash Premier Visa sounds like a great opportunity for those who are offered it, the &#8220;3-2-1&#8243; and Privileges card are underwhelming.  Schwab refugees looking for an alternative should consider one from our <a href="http://www.creditcardwatcher.com/the-best-cash-back-credit-cards/">list of the best cash back credit cards</a>.  Options such as the Fidelity Amex or Visa are strong contenders if you have a Fidelity account.</p>
<p>Another possibility is to use this opportunity to switch to a points-related travel card.  The <a href="http://www.creditcardwatcher.com/starwood-amex-review-is-it-the-best-travel-credit-card/">SPG Amex</a> and <a href="http://www.creditcardwatcher.com/chase-sapphire-preferred-50000-bonus-points/">Chase Sapphire Preferred card</a> remain popular choices in that category.</p>
<p>At any rate, it was a great run while it lasted.  And one can always hold out hope that something similar (or better!) will resurface in the future.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/farewell-sweet-schwab-card/">Farewell Sweet Schwab Card</a></p>]]></content:encoded>
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		<title>70,000 Hilton HHonors Points for Hawaiian Airlines Credit Card Signup</title>
		<link>http://www.creditcardwatcher.com/70000-hilton-hhonors-points-for-hawaiian-airlines-credit-card-signup/</link>
		<comments>http://www.creditcardwatcher.com/70000-hilton-hhonors-points-for-hawaiian-airlines-credit-card-signup/#comments</comments>
		<pubDate>Thu, 08 Sep 2011 14:09:07 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Travel Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=2048</guid>
		<description><![CDATA[<p>The Hawaiian Airlines® Visa Signature® card currently offers 20,000 bonus Hawaiian Miles after first purchase and an additional 15,000 bonus HawaiianMiles after making $1,000 in net purchases within four months of account opening for a total of up to 35,000 bonus miles. In addition, you&#8217;ll earn 2,000 bonus miles every anniversary and a one-time 25% [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/70000-hilton-hhonors-points-for-hawaiian-airlines-credit-card-signup/">70,000 Hilton HHonors Points for Hawaiian Airlines Credit Card Signup</a></p>]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.creditcardwatcher.com/70000-hilton-hhonors-points-for-hawaiian-airlines-credit-card-signup/hawaiian-air-credit-card/" rel="attachment wp-att-2049"><img src="http://www.creditcardwatcher.com/wp-content/uploads/2011/09/hawaiian-air-credit-card.jpg" alt="Hawaiian Airlines Visa Signature" title="hawaiian-air-credit-card" width="120" height="67" class="alignright size-full wp-image-2049" /></a>The <strong>Hawaiian Airlines® Visa Signature® card</strong> currently offers 20,000 bonus Hawaiian Miles after first purchase and an additional 15,000 bonus HawaiianMiles after making $1,000 in net purchases within four months of account opening for a total of up to 35,000 bonus miles.<br />
<span id="more-2048"></span><br />
In addition, you&#8217;ll earn 2,000 bonus miles every anniversary and a one-time 25% round trip discount between the mainland US and Hawaii for both you and a companion.  Regular purchases will earn 1 mile per dollar, while tickets purchased directly from Hawaiian Airlines will earn 2 miles per dollar.  You&#8217;ll also be able to earn up to 5 additional miles per dollar at participating Xtramiles partners.  There is, however, a $79 annual fee which is <strong>not waived</strong> for the first year.</p>
<p><strong>Using your Hawaiian Miles</strong><br />
You can use your Hawaiian Miles for award flights for as little as 7,500 for an interisland Coach SuperSaver one-way ticket or 20,000 miles for a Coach SuperSaver one-way ticket between the continental US and Hawaii.  The full award chart can be found <a href="http://www.hawaiianair.com/hawaiianmiles/pages/book-award-flights.aspx#award-chart" target="_blank">here</a>.</p>
<p>It&#8217;s also possible to <a href="http://www.hawaiianair.com/hawaiianmiles/use-with-other-partners/" target="_blank">redeem your miles for various gift certificates</a> for car rentals, dining, hotels, shopping and more, though you&#8217;re going to get a poor value for your miles if you redeem them this way.</p>
<p><strong>Why is this an interesting deal?</strong><br />
What makes this offer interesting is that Hilton is one of Hawaiian Air&#8217;s partners and allows you to exchange <a href="http://hhonors1.hilton.com/en_US/hh/points/milesforpoints.do" target="_blank">1 Hawaiian mile for 2 HHonors points</a> in increments of 5,000 miles.  This exchange ratio is valid only for miles that were originally Hawaiian miles (such as those earned by flying Hawaiian Air, flying on a partner airline and crediting to Hawaiian Air, or shopping through the Hawaiian Air&#8217;s shopping portal.)  Fortunately, your bonus points from the Hawaiian Air Visa can also be exchanged at this rate, meaning that you can transfer your 35,000 Hawaiian miles for 70,000 HHonors points.  This is significant because that&#8217;s a larger signup bonus than either of the co-branded Hilton cards themselves offer.  (Hilton HHonors Surpass Amex&#8217;s current signup bonus is up to 60,000 HHonors points, while the <a href="http://www.creditcardwatcher.com/card/Citi-Hilton-HHonors-Visa-Signature-Card.php">Citi Hilton HHonors Visa</a> offers a 40,000 HHonors bonus.)</p>
<p>If you are a regular Hilton customer, however, it still makes sense to get a Hilton-branded card for the other perks, such as additional points for spending at Hiltons or elite status.  For example, you&#8217;ll automatically earn HHonors Silver status just for being a <a href="http://www.creditcardwatcher.com/card/Citi-Hilton-HHonors-Visa-Signature-Card.php">Citi HHonors Visa</a> cardmember, while you&#8217;ll earn HHonors Gold status when you spend at least $20,000 on your Hilton Amex.</p>
<p><strong>An important caveat</strong><br />
One other very important note is that if your credit doesn&#8217;t qualify you for a Visa Signature card, Bank of America may instead approve you for a Visa Platinum card, which carries a much lower 10,000 mile bonus after first purchase.  Getting a Visa Signature card typically requires excellent credit, so if your credit is less than perfect, this is a risk you&#8217;ll want to consider.</p>
<p><strong>Double the fun</strong><br />
Hawaiian Airlines currently has two separate credit card offers that are nearly identical, except for the issuing bank.  Both Bank of America and the Bank of Hawaii offer their own versions of the card that provide virtually the same benefits.  The Bank of Hawaii&#8217;s card does additionally allow you to make payments at a Bank of Hawaii branch and also to have your credit balance count towards Bankohana status, potentially reducing some of your banking fees.</p>
<p>Despite the fact that the Bank of Hawaii card is actually admistered by FIA, a subsidiary of Bank of America, you can still apply for both Hawaiian Airlines cards (each with a $79 annual fee) and get the bonuses for a potential total of 140,000 HHonors points.</p>
<p>For more info, see:</p>
<p><a href="http://www.creditcardwatcher.com/go.php?url=https://www.applyonlinenow.com/USCCapp/Ctl/entry?sc=UABKKI" target="_blank">Hawaiian Air Visa Signature (Bank of America)</a><br />
<a href="http://www.creditcardwatcher.com/go.php?url=https://www.applyonlinenow.com/USCCapp/Ctl/entry?sc=UABKKN" target="_blank">Hawaiian Air Visa Signature (Bank of Hawaii)</a></p>
<p>(via <a href="http://millionmilesecrets.com/2011/08/01/70000-hilton-points-with-the-hawaiian-airlines-credit-card/" target="_blank">MMS</a>)</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/70000-hilton-hhonors-points-for-hawaiian-airlines-credit-card-signup/">70,000 Hilton HHonors Points for Hawaiian Airlines Credit Card Signup</a></p>]]></content:encoded>
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		<title>Virgin Atlantic Amex: Up to 65,000 Bonus Miles</title>
		<link>http://www.creditcardwatcher.com/virgin-atlantic-amex-up-to-65000-bonus-miles/</link>
		<comments>http://www.creditcardwatcher.com/virgin-atlantic-amex-up-to-65000-bonus-miles/#comments</comments>
		<pubDate>Fri, 04 Dec 2009 21:19:31 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Travel Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=718</guid>
		<description><![CDATA[<p>The Virgin Atlantic American Express now offers up to 65,000 bonus miles in your first year of cardmembership. The new, improved offer is only available through this link, as the standard deal only offers up to 35,000 bonus miles. Under terms of the new promotion, you&#8217;ll earn 20,000 Flying Club miles after your first purchase. [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/virgin-atlantic-amex-up-to-65000-bonus-miles/">Virgin Atlantic Amex: Up to 65,000 Bonus Miles</a></p>]]></description>
			<content:encoded><![CDATA[<p>The <strong>Virgin Atlantic American Express</strong> now offers up to 65,000 bonus miles in your first year of cardmembership.  The new, improved offer is only available through <a href="http://www.creditcardwatcher.com/go.php?url=https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=UABAH4" target="_blank">this link</a>, as the <a href="http://www.creditcardwatcher.com/go.php?url=http://www.virgin-atlantic.com/en/us/creditcard/blackcard/index.jsp" target="_blank">standard deal</a> only offers up to 35,000 bonus miles.</p>
<p>Under terms of the new promotion, you&#8217;ll earn 20,000 Flying Club miles after your first purchase.  You&#8217;ll also receive an additional 25,000 bonus miles after you make at least $750 in purchases within 90 days of opening your account.  In addition, you&#8217;ll earn 7,500 Flying Club miles for spending $15,000 and another 7,500 miles for reaching $25,000 in annual spending.  Up to 5,000 more bonus miles may be earned for adding more Cardmembers to your account.<br />
<span id="more-718"></span><br />
The card earns 1.5 points per dollar spent and helps towards elite status.  You earn one tier point per $2,500 spent and up to 2 points per month.  To qualify for Silver status, you need 15 tier points or 10 to renew.  For Gold status, it takes 40 tier points to qualify, or 30 to renew.  The card does have a $90 annual fee.</p>
<p><a href="http://www.creditcardwatcher.com/go.php?url=https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=UABAH4" target="_blank">Link</a> (Via <a href="http://www.fatwallet.com/forums/finance/973681/" target="_blank">FW</a>)</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/virgin-atlantic-amex-up-to-65000-bonus-miles/">Virgin Atlantic Amex: Up to 65,000 Bonus Miles</a></p>]]></content:encoded>
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		<title>Bank of America To Test New Annual Fees</title>
		<link>http://www.creditcardwatcher.com/bank-of-america-to-test-new-annual-fees/</link>
		<comments>http://www.creditcardwatcher.com/bank-of-america-to-test-new-annual-fees/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 16:50:37 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=648</guid>
		<description><![CDATA[<p>Although Bank of America recently vowed that it would refrain from raising interest rates in advance of the looming credit CARD act, it just announced its intentions of testing the introduction of new annual fees to a random group of customers as a new way to grow revenue. A spokesperson said 1 percent of accounts [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-to-test-new-annual-fees/">Bank of America To Test New Annual Fees</a></p>]]></description>
			<content:encoded><![CDATA[<p>Although Bank of America recently vowed that it would <a href="http://www.google.com/hostednews/ap/article/ALeqM5g9RtKs5RsDOcyatjxoH2jCgpdO4QD9B5UQQ80" target="_blank">refrain from raising interest rates</a> in advance of the looming credit CARD act, it just announced its intentions of <a href="http://news.yahoo.com/s/ap/20091013/ap_on_bi_ge/us_bank_of_america_annual_fees" target="_blank">testing the introduction of new annual fees</a> to a random group of customers as a new way to grow revenue.  A spokesperson said 1 percent of accounts globally are being tested based on &#8220;risk and profitability,&#8221; with annual fees ranging from $29 to $99 starting next year.</p>
<p>B of A&#8217;s plan is to collect feedback from customers and then decide what to do going forward.  Translation:  if not enough people complain or close their accounts as a result of this move, there is a good chance that annual fees will be rolled out on a wider basis.  Customers can opt-out of the fee, but that requires closing their accounts.  Impacted customers must decide whether to opt out by December 16, 2009.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-to-test-new-annual-fees/">Bank of America To Test New Annual Fees</a></p>]]></content:encoded>
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		<title>Bank of America Raises Credit Card Rates</title>
		<link>http://www.creditcardwatcher.com/bank-of-america-raises-credit-card-rates-0904/</link>
		<comments>http://www.creditcardwatcher.com/bank-of-america-raises-credit-card-rates-0904/#comments</comments>
		<pubDate>Fri, 10 Apr 2009 02:30:24 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=502</guid>
		<description><![CDATA[<p>Following similar moves by other banks, Bank of America just announced plans aimed at boosting its bottom line, in part by raising interest rates on many of its balance carrying customers. According to the WSJ, any B of A credit card holder who carries a balance currently below 10% will see their rate jump to [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-raises-credit-card-rates-0904/">Bank of America Raises Credit Card Rates</a></p>]]></description>
			<content:encoded><![CDATA[<p>Following similar moves by other banks, Bank of America just announced plans aimed at boosting its bottom line, in part by raising interest rates on many of its balance carrying customers.  According to the <a href="http://online.wsj.com/article/SB123922365800702453.html" target="_blank">WSJ</a>, any B of A credit card holder who carries a balance currently below 10% will see their rate jump to double digits beginning with their June statements.  The exact number of affected customers is not being released, but estimates range as high as four million of Bank of America&#8217;s 70 million credit card customers.</p>
<p>Consumers do have the option of notifying Bank of America, opting out of the change, and keeping their current interest rate, but that requires making no new purchases on their card.  Any new charges would cause the new, higher rate to apply to the entire balance.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-raises-credit-card-rates-0904/">Bank of America Raises Credit Card Rates</a></p>]]></content:encoded>
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		<title>For NYC BofA Visa Cardholders: Up to $100 Back on Transit</title>
		<link>http://www.creditcardwatcher.com/for-nyc-bofa-visa-cardholders-up-to-100-back-on-transit/</link>
		<comments>http://www.creditcardwatcher.com/for-nyc-bofa-visa-cardholders-up-to-100-back-on-transit/#comments</comments>
		<pubDate>Fri, 14 Nov 2008 14:57:16 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=331</guid>
		<description><![CDATA[<p>From now until January 31, 2009, you can earn $10 cash back for every $100 you spend on New York area transit when you pay with any Bank of America Visa credit or check card. You can earn up to $100 during this promotion, but you must sign up first to begin saving. Eligible NYC [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/for-nyc-bofa-visa-cardholders-up-to-100-back-on-transit/">For NYC BofA Visa Cardholders: Up to $100 Back on Transit</a></p>]]></description>
			<content:encoded><![CDATA[<p>From now until January 31, 2009, you can earn $10 cash back for every $100 you spend on New York area transit when you pay with any <a href="http://www.creditcardwatcher.com/card/Bank-of-America-WorldPoints-Platinum-Plus-Visa-Credit-Card.php">Bank of America Visa</a> credit or check card.  You can earn up to $100 during this promotion, but you must sign up first to begin saving.<br />
<span id="more-331"></span><br />
Eligible NYC transit includes:</p>
<ul>
<li>NYC Subway &#038; Buses</li>
<li>Staten Island Railroad &#038; Ferry</li>
<li>Long Island Railroad &#038; Bus</li>
<li>Metro-North Railroad</li>
<li>Port Authority of NY/NJ</li>
<li>Independent Ferries</li>
<li>Bridge &#038; Tunnel Tolls and EZ Pass</li>
</ul>
<p>Participation in this promo is completely free.  To enroll and find complete details, see <a href="http://www.bankofamerica.com/transit" target="_blank">www.bankofamerica.com/transit</a>. (Via <a href="http://www.fatwallet.com/forums/finance/877352/" target="_blank">FW</a>)</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/for-nyc-bofa-visa-cardholders-up-to-100-back-on-transit/">For NYC BofA Visa Cardholders: Up to $100 Back on Transit</a></p>]]></content:encoded>
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		<title>Bank of America Balance Transfer Offers: 0% APR for 15 Months</title>
		<link>http://www.creditcardwatcher.com/bank-of-america-balance-transfer-offers-0-apr-for-15-months/</link>
		<comments>http://www.creditcardwatcher.com/bank-of-america-balance-transfer-offers-0-apr-for-15-months/#comments</comments>
		<pubDate>Thu, 30 Oct 2008 13:39:07 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Balance Transfer Offers]]></category>
		<category><![CDATA[Bank of America]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=325</guid>
		<description><![CDATA[<p>It&#8217;s a rare thing these days when a credit card issuer actually improves one of its balance transfer offers. So, it came as a bit of a surprise to see that Bank of America has just increased the intro period on balance transfers for several of its cards. Previously, these cards had offered initial balance [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-balance-transfer-offers-0-apr-for-15-months/">Bank of America Balance Transfer Offers: 0% APR for 15 Months</a></p>]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s a rare thing these days when a credit card issuer actually improves one of its balance transfer offers.  So, it came as a bit of a surprise to see that <a href="http://www.creditcardwatcher.com/card/issuer/Bank-of-America">Bank of America</a> has just increased the intro period on balance transfers for several of its cards.</p>
<p>Previously, these cards had offered initial balance transfers of 0% for 12 months.  Now, each of the following cards boast an excellent intro <strong>0% for 15 months on balance transfers</strong>:</p>
<ul>
<li><a href="http://www.creditcardwatcher.com/card/Bank-of-America-WorldPoints-Platinum-Plus-MasterCard-Credit-Card.php">Bank of America® WorldPoints® Platinum Plus® MasterCard® Credit Card</a></li>
<li><a href="http://www.creditcardwatcher.com/card/Bank-of-America-Accelerated-Cash-Rewards153-American-Express-Card.php">Bank of America® Accelerated Cash Rewards™ American Express® Card</a></li>
<li><a href="http://www.creditcardwatcher.com/card/Bank-of-America-Visa-Signature-WorldPoints-Rewards.php">Bank of America® Visa Signature® Credit Card with WorldPoints® Rewards</a>: In addition, this card has also added a <strong>$25 signup bonus</strong></li>
<li><a href="http://www.creditcardwatcher.com/card/Bank-of-America-Cash-Rewards-Platinum-Plus-MasterCard-Credit-Card.php">Bank of America® Cash Rewards Platinum Plus® MasterCard® Credit Card</a></li>
</ul>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-balance-transfer-offers-0-apr-for-15-months/">Bank of America Balance Transfer Offers: 0% APR for 15 Months</a></p>]]></content:encoded>
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		<title>Virgin Atlantic Amex: Up to 40,000 Bonus Flying Club Miles and Access to Perks that are Literally Out of this World</title>
		<link>http://www.creditcardwatcher.com/virgin-atlantic-amex-up-to-40000-bonus-flying-club-miles-and-access-to-perks-that-are-literally-out-of-this-world/</link>
		<comments>http://www.creditcardwatcher.com/virgin-atlantic-amex-up-to-40000-bonus-flying-club-miles-and-access-to-perks-that-are-literally-out-of-this-world/#comments</comments>
		<pubDate>Thu, 12 Jun 2008 19:31:46 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[FIA]]></category>
		<category><![CDATA[Reward Cards]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Travel Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/?p=282</guid>
		<description><![CDATA[<p>Virgin Atlantic Airlines just announced the release of its new credit card with potential rewards that include a trip into outer space on Virgin Galactic. The Virgin Atlantic American Express Card from Bank of America comes in two versions: the black card, which carries a higher annual fee ($90) and more opportunities to earn bonus [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/virgin-atlantic-amex-up-to-40000-bonus-flying-club-miles-and-access-to-perks-that-are-literally-out-of-this-world/">Virgin Atlantic Amex: Up to 40,000 Bonus Flying Club Miles and Access to Perks that are Literally Out of this World</a></p>]]></description>
			<content:encoded><![CDATA[<p>Virgin Atlantic Airlines just announced the release of its new credit card with potential rewards that include a trip into outer space on Virgin Galactic.  The <strong>Virgin Atlantic American Express Card from Bank of America</strong> comes in two versions: the black card, which carries a higher annual fee ($90) and more opportunities to earn bonus miles, and the white card, which has a lower annual fee ($49).  Both cards also offer an intro 0% on purchases and balance transfers, though BTs are assessed a 3% fee with no cap.<br />
<span id="more-282"></span><br />
Other benefits of the Black Card include:</p>
<ul>
<li>3 miles per dollar spent on Virgin Atlantic purchases</li>
<li>1.5 miles per dollar spent on other purchases</li>
<li>20,000 bonus miles after your first purchase</li>
<li>Up to 15,000 bonus miles every anniversary, depending upon your spending</li>
<li>Up to 5,000 bonus miles when you add additional Cardmembers to your account*</li>
<li>Earn credit towards Flying Club Gold elite status with one tier point for every $2,500 in purchases and additional tier points when flying Virgin Atlantic</li>
<li>10 percent off published Virgin Atlantic Premium Economy fares through December 31, 2008</li>
</ul>
<p>Cardmembers are also eligible for for bonus redemption opportunities:  When you spend at least $25,000 in a year and redeem miles for an Economy reward ticket, you can get a second reward ticket for half the miles.</p>
<p>In addition, through the end of January 2009, cardmembers will earn an entry into a sweepstakes for a trip into space on Virgin Galactic for every $10,000 spent.</p>
<p>To learn more about these cards, see these links:</p>
<ul>
<li><a href="http://www.creditcardwatcher.com/card/Virgin-Atlantic-American-Express-Card-Black.php">Virgin Atlantic American Express® Card &#8211; Black</a></li>
<li><a href="http://www.creditcardwatcher.com/card/Virgin-Atlantic-American-Express-Card-White.php">Virgin Atlantic American Express® Card &#8211; White</a></li>
</ul>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/virgin-atlantic-amex-up-to-40000-bonus-flying-club-miles-and-access-to-perks-that-are-literally-out-of-this-world/">Virgin Atlantic Amex: Up to 40,000 Bonus Flying Club Miles and Access to Perks that are Literally Out of this World</a></p>]]></content:encoded>
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		<title>Green Credit Cards: An In-Depth List</title>
		<link>http://www.creditcardwatcher.com/green-credit-cards-an-in-depth-list/</link>
		<comments>http://www.creditcardwatcher.com/green-credit-cards-an-in-depth-list/#comments</comments>
		<pubDate>Mon, 31 Mar 2008 15:19:55 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Chase]]></category>
		<category><![CDATA[Citibank]]></category>
		<category><![CDATA[FIA]]></category>
		<category><![CDATA[HSBC]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/green-credit-cards-an-in-depth-list/</guid>
		<description><![CDATA[<p>With Earth Day rapidly approaching, we have a good excuse to review our green options when it comes to plastic (or corn, if you prefer). After all, even Leo DiCaprio has recently been touting a new HSBC green credit card for the Hong Kong market. What does it mean for a credit card to be [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/green-credit-cards-an-in-depth-list/">Green Credit Cards: An In-Depth List</a></p>]]></description>
			<content:encoded><![CDATA[<p>With Earth Day rapidly approaching, we have a good excuse to review our green options when it comes to plastic (or <a href="http://www.arthurblank.com/corncard.asp" target="_blank">corn</a>, if you prefer).  After all, even Leo DiCaprio has recently been touting a <a href="http://popsugar.com/1138892" target="_blank">new HSBC green credit card for the Hong Kong market</a>.  What does it mean for a credit card to be green?  Well, the HSBC card is made from environmentally-friendly materials, requires the use of digital billing to cut down on paper waste, and donates a portion of each charge towards a local environmental protection project.  While that card is not available in the US yet, there are a number of other green credit cards already here.</p>
<p><strong>Green Credit Cards</strong><br />
Here&#8217;s a rundown:</p>
<ul>
<li><strong><a href="http://www.creditcardwatcher.com/card/Brighter-Planet-Visa-Credit-Card.php">The Brighter Planet Visa</a></strong><br />
Every $1,000 spent in purchases with the card earns 1,000 points that will fund an estimated 1 ton of carbon offsets.  In addition, you&#8217;ll earn 1,000 bonus points with your first transaction and another 1,000 points for using paperless statements.  Also, until December 2008, Bank of America will match each two base points earned with the contribution of another point, equivalent to a 50% bonus.</li>
<li><strong><a href="http://www.creditcardwatcher.com/go.php?url=http://www.workingassets.com/creditcard/default.aspx" target="_blank">World Asssets Visa Signature Card</a></strong><br />
For every purchase made on the card, 10 cents will be donated to nonprofit groups like the Ocean Conservancy and Global Fund for Children.  In addition, the card earns WorldPoints which can be used towards cash rewards, travel rewards and more.</li>
<li><a href="http://www.creditcardwatcher.com/go.php?url=http://www.salmonnation.com/growsn/snvisa.html"><strong>Salmon Nation Visa</strong></a><br />
A percentage of the income derived from the Salmon Nation Visa program goes directly to Ecotrust, a conservation organization aiming to strengthen communities and the environment from Alaska to California.</li>
<li><strong><a href="http://www.creditcardwatcher.com/go.php?url=http://myearthrewards.com/creditcard.htm" target="_blank">GE Earth Rewards Credit Card</a></strong><br />
This card from GE Money allows you two rewards options:  1) You can choose to contribute either a full 1% of your net purchases to emission reduction projects or 2) 0.5% towards emission offsets and 0.5% cash back for yourself.  On Earth Day each year you&#8217;ll receive a statement that shows how your reward was spent to help reduce greenhouse gas emissions.</li>
<li><strong><a href="http://www.creditcardwatcher.com/go.php?url=http%3A//www.firstusa.com/cgi-bin/webcgi/webserve.cgi%3Fpartner_dir_name%3Dcac_wwf%26page%3Dindex" target="_blank">World Wildlife Fund Card</a></strong><br />
1% of each purchase will go towards the World Wildlife Fund, an organization with a mission to save endangered species and protect endangered habitats.  In addition, Chase will donate $50 for each new account opened online.</li>
<li><strong><a href="http://www.creditcardwatcher.com/go.php?url=http://www.greenpay.com" target="_blank">GreenPay MasterCard</a></strong><br />
For each net $1 spent on gasoline and household utilities, the GreenPay Rewards program will provide 10 pounds of carbon offsets.  For each $1 spent on everything else, the program will provide 5 pounds of carbon offsets.  In addition, 10,000 pounds of CO2 will be removed as a first purchase bonus.
</li>
<li><strong><a href="http://www.creditcardwatcher.com/card/The-Nature-Conservancy-Platinum-Plus-Visa-Credit-Card.php">Nature Conservancy Visa</a></strong><br />
0.65% of your net purchases will go to the Nature Conservancy, a leading conservation organization committed to protecting ecologically important lands and waters.  In addition, new card members will receive a complimentary 1 year membership and subscription to <em>Nature Conservancy</em> magazine.</li>
<li><strong><a href="http://www.creditcardwatcher.com/card/Bass-Pro-Shops-Outdoor-Rewards-Platinum-Plus-Visa-Card.php"> Bass Pro Shops Outdoor Rewards Platinum Plus Visa Card</a></strong><br />
With each card purchase, Bass Pro Shops and the National Fish and Wildlife Foundation will make a contribution to help conservation efforts, with a guaranteed yearly contribution as high as $1.5 million, at no additional cost to you.  You&#8217;ll also receive a $25 gift card after your first use.
</li>
</ul>
<p><strong>Green Rewards Programs</strong><br />
Credit card issuers have expanded your rewards options recently, so that even general-use credit cards can earn green rewards.  Here&#8217;s a sampling:</p>
<ul>
<li><strong>Wells Fargo Enhanced Rewards</strong><br />
Wells Fargo credit card users can enroll in an optional rewards program where the points that they earn can be used towards <a href="https://www.wellsfargorewards.com/View_RewardsEnhanced.aspx" target="_blank">various green rewards</a>, such as a solar charger or a garden composter.  You can also choose to redeem reward points to support renewable energy projects and receive certificates for your donations.  Enrolling in the rewards program costs $19 (or 2,000 points) a year for your credit card only, or $29 a year to enroll both your credit card and Check Card.</li>
<li><strong>Bank of America WorldPoints</strong><br />
Bank of America offers any of its credit card holders who earn WorldPoints to redeem them for a <a href="https://www.rewards-catalog.com/epx/index.cfm?uid=77667865876777&#038;web=MSR&#038;dt1=2752766&#038;fuseaction=EPortal.CatalogSearch&#038;bcSpotlight=Spotlights&#038;bcSpotlightCls=Go%20Green&#038;SPID=1&#038;ILC=EN&#038;search=N&#038;itemdet=N" target="_blank">wide range of eco-friendly products and projects</a>.  Any <a href="http://www.creditcardwatcher.com/card/issuer/Bank-of-America">Bank of America credit card</a> that earns WorldPoints is eligible to earn these rewards at no additional cost.</li>
<li><strong>Citi Thank You Network</strong><br />
As part of its Thank You rewards network, <a href="http://www.creditcardwatcher.com/card/issuer/Citi">Citi</a> also offers a <a href="https://www.thankyou.com/rewardsSubCategory.jspx?categoryName=Products&#038;subCategoryName=Eco-Friendly&#038;=rewardsCategory.jspx" target="_blank">range of environmentally-responsible rewards</a>.  For instance, your Thank You points can be redeemed in exchange for having trees planted or for energy-saving CFL light bulbs.</li>
</ul>
<p><strong>Another Green Alternative</strong><br />
There&#8217;s also another option to consider when going green:  instead of selecting a credit card specifically because it is green, you can always choose the <a href="http://www.creditcardwatcher.com/the-best-cash-back-credit-cards/">best cash back card</a> available and donate the cash rewards to your favorite environmental cause.  It is slightly less convenient, but there at least three obvious benefits: 1) any donations will be tax-deductible, 2) you should be able to earn more rewards for your charity, and 3) you&#8217;ll have more choice as to exactly how your money is spent.</p>
<p>Regardless of the card you choose, chances are your issuer allows and even encourages your use of electronic-only statements.  That&#8217;s one sure-fire way to get greener, and save both trees and gas.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/green-credit-cards-an-in-depth-list/">Green Credit Cards: An In-Depth List</a></p>]]></content:encoded>
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		<title>BankAmericard Rewards Visa Credit Card &#8211; 1.5% Rebate on Everything</title>
		<link>http://www.creditcardwatcher.com/bankamericard-rewards-visa-credit-card-15-rebate-on-everything/</link>
		<comments>http://www.creditcardwatcher.com/bankamericard-rewards-visa-credit-card-15-rebate-on-everything/#comments</comments>
		<pubDate>Fri, 18 Jan 2008 17:51:09 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Cash Back Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/bankamericard-rewards-visa-credit-card-15-rebate-on-everything/</guid>
		<description><![CDATA[<p>Bank of America is now promoting the following offer for the BankAmericard Rewards Visa: Earn 1 point for every $1 in net retail purchases With an eligible banking relationship, you&#8217;ll also earn an additional .25 bonus points for every $1 in net retail purchases each month. Maintain this relationship, and your base points earned during [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bankamericard-rewards-visa-credit-card-15-rebate-on-everything/">BankAmericard Rewards Visa Credit Card &#8211; 1.5% Rebate on Everything</a></p>]]></description>
			<content:encoded><![CDATA[<p>Bank of America is now promoting the following offer for the <strong>BankAmericard Rewards Visa</strong>:</p>
<ul>
<li>Earn 1 point for every $1 in net retail purchases</li>
<li>With an eligible banking relationship, you&#8217;ll also earn an additional .25 bonus points for every $1 in net retail purchases each month. Maintain this relationship, and your base points earned during the year will be matched by 25%</li>
<li>0% Introductory APR on Purchases, Balance Transfers and Cash Advance Checks for your first 6 billing cycles</li>
</ul>
<p>What this means is that, when you factor in the annual 0.25% bonus, you&#8217;ll earn a total of 1.5 points per dollar spent on anything.  The main requirement is that you will need to have an open and eligible deposit, loan (other than a credit card), or investment account with Bank of America in order to earn that rate.</p>
<p>Points can be redeemed for cash, gift cards, travel or merchandise.  According to a representative I spoke with, the points redemption for cash is as follows:  2,500 pts = $12.50; 5,000 pts = $25; 10,000 pts = $80; 15,000 pts = $120; 25,000 pts = $250; 50,000 pts = $500.</p>
<p>As long as you redeem at least 25,000 points at a time, this turns the card into a 1.5% flat cash back card on anything with no caps.</p>
<p>You can apply online at <a href="http://www.creditcardwatcher.com/go.php?url=http%3A//rewardsfaster1.bankofamerica.com/%3Floc%3Dmast1%26cm_sp%3DCons-CC-_-BankAmericard-_-CCU3HM03_123603_mst_cardbrst-golf-o.swf" target="_blank">this link</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bankamericard-rewards-visa-credit-card-15-rebate-on-everything/">BankAmericard Rewards Visa Credit Card &#8211; 1.5% Rebate on Everything</a></p>]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<title>Pet Credit Cards: PetSmart Pet Perks Visa, PetRewards Visa</title>
		<link>http://www.creditcardwatcher.com/pet-credit-cards-petsmart-pet-perks-visa-petrewards-visa/</link>
		<comments>http://www.creditcardwatcher.com/pet-credit-cards-petsmart-pet-perks-visa-petrewards-visa/#comments</comments>
		<pubDate>Sat, 05 Jan 2008 17:06:16 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Balance Transfer Offers]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Reward Cards]]></category>
		<category><![CDATA[WaMu]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/pet-credit-cards-petsmart-pet-perks-visa-petrewards-visa/</guid>
		<description><![CDATA[<p>As a doting pet owner, this post at SD about the PetSmart Pet Perks Visa caught my eye. It offers: 3 points per $1 spent at PetSmart, petsmart.com and Banfield, and 1 point per dollar everywhere else, 0% intro APR for 6 months on purchases and balance transfers (with no fee within the first 90 [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/pet-credit-cards-petsmart-pet-perks-visa-petrewards-visa/">Pet Credit Cards: PetSmart Pet Perks Visa, PetRewards Visa</a></p>]]></description>
			<content:encoded><![CDATA[<p>As a doting pet owner, <a href="http://forums.slickdeals.net/showthread.php?sduid=0&#038;t=703970">this post at SD</a> about the <a href="http://www.creditcardwatcher.com/go.php?url=http://customer-support.petsmart.com/pet-perks/">PetSmart Pet Perks Visa</a> caught my eye.  It offers:</p>
<ul>
<li>3 points per $1 spent at PetSmart, petsmart.com and Banfield, and 1 point per dollar everywhere else,
<li>0% intro APR for 6 months on purchases and balance transfers (with no fee within the first 90 days)</li>
<li>$20 PetSmart gift card after first purchase</li>
<li>Personalize your credit card with your pet&#8217;s photo</li>
</ul>
<p>As you can see, the offer is not much to &#8220;woof&#8221; about.  (Compare this to the <a href="http://www.creditcardwatcher.com/card/Chase-Freedom-Cash-Visa-Card.php">Chase Freedom card</a>, for instance, which trumps this offer in nearly every respect.)  But it did remind me of the <a href="http://www.creditcardwatcher.com/card/Pet-Rewards-Platinum-Plus-Visa-Credit-Card.php">Pet Rewards Visa</a>, a card which I had previously panned.  When looking at the Pet Rewards offer with fresh eyes, however, it actually looks to have a good niche use:</p>
<ul>
<li>Earn 2 points per dollar spent at participating veterinary clinincs, pet food retailers, farm and feed stores, and neighborhood pet stores; 1 point per dollar anywhere else</li>
<li>0% intro APR for 6 months on purchases and balance transfers (with no fee)</li>
<li>500 points after first purchase</li>
<li>Personalize your rewards card with your pet&#8217;s photo</li>
</ul>
<p>Now, on the surface these benefits look pretty similar to the Petsmart card.  The redemption opportunities for the PetRewards credit card, however, make the difference.  You can redeem 1000 points for $20 worth of vet expenses <em>at any veterinary office</em>, turning this card into a 2% card for general use, or 4% if your pet care expenses are with participating vendors.  The main issue with redemption, of course, is the convenience factor, as you&#8217;ll have to fill out a form and return receipts in order to be reimbursed.  For those with pet expenses who don&#8217;t mind sending in receipts, however, this card represents a reasonable option.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/pet-credit-cards-petsmart-pet-perks-visa-petrewards-visa/">Pet Credit Cards: PetSmart Pet Perks Visa, PetRewards Visa</a></p>]]></content:encoded>
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		<slash:comments>3</slash:comments>
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		<title>US Airways Signature Visa: 25,000 Bonus Dividend Miles</title>
		<link>http://www.creditcardwatcher.com/us-airways-signature-visa-25000-bonus-dividend-miles/</link>
		<comments>http://www.creditcardwatcher.com/us-airways-signature-visa-25000-bonus-dividend-miles/#comments</comments>
		<pubDate>Thu, 06 Sep 2007 16:17:23 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[FIA]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Travel Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/us-airways-signature-visa-25000-bonus-dividend-miles/</guid>
		<description><![CDATA[<p>The US Airways Signature Visa is now offering 25,000 bonus Dividend Miles when you sign up for the card and make your first purchase, an increase from the 20,000 miles it previously offered. 25000 miles is enough for a round-trip ticket within the continental United States and Canada. They can alternatively be redeemed for award [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/us-airways-signature-visa-25000-bonus-dividend-miles/">US Airways Signature Visa: 25,000 Bonus Dividend Miles</a></p>]]></description>
			<content:encoded><![CDATA[<p>The <a href="http://www.creditcardwatcher.com/go.php?url=http://www.usairwaysvisa.com" target="_blank">US Airways Signature Visa</a> is now offering 25,000 bonus Dividend Miles when you sign up for the card and make your first purchase, an increase from the 20,000 miles it previously offered.</p>
<p>25000 miles is enough for a round-trip ticket within the continental United States and Canada.  They can alternatively be redeemed for award travel between the continental U.S. or Canada and the Carribbean during the &#8220;Off-Peak&#8221; season.</p>
<p>As usual, the card offers 0% APR on purchases and balance transfers for 6 months with no balance transfer fee.  There is a $90 annual fee for Visa Signature and Platinum Plus accounts, and a $50 annual fee for Preferred accounts.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/us-airways-signature-visa-25000-bonus-dividend-miles/">US Airways Signature Visa: 25,000 Bonus Dividend Miles</a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Alaska Airlines Visa: Free Roundtrip Ticket with Application</title>
		<link>http://www.creditcardwatcher.com/alaska-airlines-visa-free-roundtrip-ticket-with-application/</link>
		<comments>http://www.creditcardwatcher.com/alaska-airlines-visa-free-roundtrip-ticket-with-application/#comments</comments>
		<pubDate>Thu, 12 Jul 2007 16:19:53 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Travel Cards]]></category>
		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/alaska-airlines-visa-free-roundtrip-ticket-with-application/</guid>
		<description><![CDATA[<p>Alaska Airlines and Bank of America are now offering 20,000 Mileage Plan Bonus Miles upon online approval for the Alaska Airlines Visa, an increase from the 5,000 miles that were previously being offered. Their current splash page still shows 5,000 bonus miles but if you click through to the terms and conditions, you&#8217;ll see the [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/alaska-airlines-visa-free-roundtrip-ticket-with-application/">Alaska Airlines Visa: Free Roundtrip Ticket with Application</a></p>]]></description>
			<content:encoded><![CDATA[<p>Alaska Airlines and Bank of America are now offering 20,000 Mileage Plan Bonus Miles upon online approval for the Alaska Airlines Visa, an increase from the 5,000 miles that were previously being offered.  Their current splash page still shows 5,000 bonus miles but if you click through to the terms and conditions, you&#8217;ll see the new offer.</p>
<p>20,000 miles is valid for a Round Trip Coach Saver Award ticket between the United States and Canda on either Alaska Airlines or Horizon Air.  Note that the card has an annual fee of $75 for Visa Signature and Platinum Plus accounts, and $45 for Preferred accounts.</p>
<p>You can see the offer, along with a summary of the card&#8217;s benefits, <a href="http://www.creditcardwatcher.com/card/Alaska-Airlines-Visa-Signature-Credit-Card.php">here</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/alaska-airlines-visa-free-roundtrip-ticket-with-application/">Alaska Airlines Visa: Free Roundtrip Ticket with Application</a></p>]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<title>WorldPoints® Platinum Plus® Credit Card: $250 Bonus with Application</title>
		<link>http://www.creditcardwatcher.com/worldpoints%c2%ae-platinum-plus%c2%ae-credit-card-250-bonus-with-application/</link>
		<comments>http://www.creditcardwatcher.com/worldpoints%c2%ae-platinum-plus%c2%ae-credit-card-250-bonus-with-application/#comments</comments>
		<pubDate>Tue, 10 Jul 2007 16:56:27 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Balance Transfer Offers]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Signup Bonuses]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/worldpoints%c2%ae-platinum-plus%c2%ae-credit-card-250-bonus-with-application/</guid>
		<description><![CDATA[<p>This offer is for a University of Iowa Alumni Association-affiliated credit card, though there appear to be no restrictions as to who is eligible to apply. From FW: Apply for the Iowa Rewards credit card and receive 25,000 points! after qualifying transaction(s) If you don&#8217;t carry a UI credit card or have a non-rewards UI [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/worldpoints%c2%ae-platinum-plus%c2%ae-credit-card-250-bonus-with-application/">WorldPoints® Platinum Plus® Credit Card: $250 Bonus with Application</a></p>]]></description>
			<content:encoded><![CDATA[<p>This offer is for a University of Iowa Alumni Association-affiliated credit card, though there appear to be no restrictions as to who is eligible to apply.  From <a target="_blank" href="http://www.fatwallet.com/t/52/746798/">FW</a>:</p>
<blockquote><p>Apply for the Iowa Rewards credit card and receive 25,000 points! after qualifying transaction(s)</p>
<p>If you don&#8217;t carry a UI credit card or have a non-rewards UI card, you can apply at 1-866-438-6262 (be sure to mention priority code FABHTN if you&#8217;d like the Tigerhawk card or FABHPD if you&#8217;d like to receive the card featuring the Old Capitol.)</p></blockquote>
<p>In order to receive your 25,000 points, you need to either spend or balance transfer at least $250.  25,000 points are exchangeable for $250 in cash, an airline ticket, or other rewards.  The card also offers 0% balance transfers for 12 months, with a 3% uncapped balance transfer fee.</p>
<p>The offer is located <a target="_blank" href="https://wwwn.applyonlinenow.com/us/iowa-fabhtn/index.html">here</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/worldpoints%c2%ae-platinum-plus%c2%ae-credit-card-250-bonus-with-application/">WorldPoints® Platinum Plus® Credit Card: $250 Bonus with Application</a></p>]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<title>ChoicePrivilegesVisa: Two Free Hotel Nights With Signup</title>
		<link>http://www.creditcardwatcher.com/choiceprivilegesvisa-two-free-hotel-nights-with-signup/</link>
		<comments>http://www.creditcardwatcher.com/choiceprivilegesvisa-two-free-hotel-nights-with-signup/#comments</comments>
		<pubDate>Mon, 14 May 2007 19:39:52 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Travel Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/choiceprivilegesvisa-two-free-hotel-nights-with-signup/</guid>
		<description><![CDATA[<p>From now until August 16, 2007, when you apply for a Choice Privileges Visa and make purchases of at least $150 within 75 days of opening your account, you&#8217;ll receive enough points for two nights at over 1,000 Choice Hotel properties. Properties include Comfort Inn, Comfort Suites, Quality Inn, Sleep Inn, Clarion, MainStay Suites, or [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/choiceprivilegesvisa-two-free-hotel-nights-with-signup/">ChoicePrivilegesVisa: Two Free Hotel Nights With Signup</a></p>]]></description>
			<content:encoded><![CDATA[<p>From now until August 16, 2007, when you apply for a Choice Privileges Visa and make purchases of at least $150 within 75 days of opening your account, you&#8217;ll receive enough points for two nights at over 1,000 Choice Hotel properties.  Properties include Comfort Inn, Comfort Suites, Quality Inn, Sleep Inn, Clarion, MainStay Suites,  or Suburban Extended Stay locations in North America.</p>
<p>&#8220;Offering not the usual one, but instead two free nights, is a stand-out offer that will really appeal to current and potential guests,&#8221; said Bill Carlson, senior vice president, consumer revenue growth for Choice Hotels.</p>
<p>Note that the promotion is for 16,000 bonus points, which may not be enough for two nights at all Choice hotels.  For more information, visit <a href="http://www.creditcardwatcher.com/card/Choice-Privileges-Visa-Card.php">this link</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/choiceprivilegesvisa-two-free-hotel-nights-with-signup/">ChoicePrivilegesVisa: Two Free Hotel Nights With Signup</a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Bank of America No Fee Balance Transfer Offers</title>
		<link>http://www.creditcardwatcher.com/bank-of-america-no-fee-balance-transfer-offers/</link>
		<comments>http://www.creditcardwatcher.com/bank-of-america-no-fee-balance-transfer-offers/#comments</comments>
		<pubDate>Sat, 05 May 2007 18:57:22 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Balance Transfer Offers]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[FIA]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/bank-of-america-no-fee-balance-transfer-offers/</guid>
		<description><![CDATA[<p>This page has application links to the Bank of America Platinum Plus Visa and Platinum Plus MasterCard with 0% on purchases and balance transfers for 12 months and no balance transfer fees. Via FW. Note: Be sure to check the latest balance transfer offers from all credit card issuers by using the offers database at [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-no-fee-balance-transfer-offers/">Bank of America No Fee Balance Transfer Offers</a></p>]]></description>
			<content:encoded><![CDATA[<p><a target="_blank" href="https://offers.bankofamerica.com/ConsumerCard/OTS5Offer.aspx">This page</a> has application links to the Bank of America Platinum Plus Visa and Platinum Plus MasterCard with 0% on purchases and balance transfers for 12 months and <strong>no balance transfer fees</strong>.  Via <a target="_blank" href="http://www.fatwallet.com/forums/messageview.php?catid=52&#038;threadid=710055&#038;start=60">FW</a>.</p>
<p><strong>Note:</strong> Be sure to check the latest balance transfer offers from <strong>all</strong> credit card issuers by using the offers database <a href="http://www.creditcardwatcher.com/offers/">at this link</a>.  You can also browse the directory of card deals <a href="http://www.creditcardwatcher.com/cards/">here</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-no-fee-balance-transfer-offers/">Bank of America No Fee Balance Transfer Offers</a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Free Museum Visits for Bank of America Cardholders</title>
		<link>http://www.creditcardwatcher.com/free-museum-visits-for-bank-of-america-cardholders/</link>
		<comments>http://www.creditcardwatcher.com/free-museum-visits-for-bank-of-america-cardholders/#comments</comments>
		<pubDate>Tue, 24 Apr 2007 16:06:42 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/free-museum-visits-for-bank-of-america-cardholders/</guid>
		<description><![CDATA[<p>Bank of America continues its Museums On Us™ program this year, expanding the number of participating museums from 56 to 85. When you present your photo ID and a Bank of America credit card, ATM card, check card or MBNA credit card, you&#8217;ll receive free admission for yourself and a guest to participating museums during [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/free-museum-visits-for-bank-of-america-cardholders/">Free Museum Visits for Bank of America Cardholders</a></p>]]></description>
			<content:encoded><![CDATA[<p>Bank of America continues its Museums On Us<sup>™</sup> program this year, expanding the number of participating museums from <a href="http://www.creditcardwatcher.com/visit-museums-free-in-may-with-a-bank-of-america-card/">56</a> to 85.  When you present your photo ID and a Bank of America credit card, ATM card, check card or MBNA credit card, you&#8217;ll receive free admission for yourself and a guest to participating museums during the month of May.</p>
<p>To see the full list of museums, visit <a target="_blank" href="http://www.bankofamericapromotions.com/museums/">http://www.bankofamericapromotions.com/museums/</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/free-museum-visits-for-bank-of-america-cardholders/">Free Museum Visits for Bank of America Cardholders</a></p>]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<title>Beware of Bank of America No Fee Balance Transfers</title>
		<link>http://www.creditcardwatcher.com/beware-of-bank-of-america-no-fee-balance-transfers/</link>
		<comments>http://www.creditcardwatcher.com/beware-of-bank-of-america-no-fee-balance-transfers/#comments</comments>
		<pubDate>Thu, 11 Jan 2007 17:32:49 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Balance Transfer Offers]]></category>
		<category><![CDATA[Bank of America]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/beware-of-bank-of-america-no-fee-balance-transfers/</guid>
		<description><![CDATA[<p>Don&#8217;t believe everything you read in print. Or, in this case, on Bank of America&#8217;s web site. This recent post on FW recounts the problem. Essentially, several people have reported that although their credit card&#8217;s terms and conditions state that there should be no fee for balance transfers, they have been charged 3% with no [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/beware-of-bank-of-america-no-fee-balance-transfers/">Beware of Bank of America No Fee Balance Transfers</a></p>]]></description>
			<content:encoded><![CDATA[<p>Don&#8217;t believe everything you read in print.  Or, in this case, on Bank of America&#8217;s web site.  <a target="_blank" href="http://www.fatwallet.com/t/52/692359/">This recent post</a> on FW recounts the problem.  Essentially, several people have reported that although their credit card&#8217;s terms and conditions state that there should be no fee for balance transfers, they have been charged 3% with no cap.  In particular, this seems to be a problem with the BofA Money Return Visa.  Here&#8217;s the relevant text in question:</p>
<blockquote><p><strong>Transaction fee for Balance Transfers and Cash Advance Checks:</strong> None of each such cash advance (minimum $0 ).</p></blockquote>
<p>This does nothing to suggest that the fee is actually 3% with no cap; while awkward, it does seem to suggest that there should be no fee.  Compare this language to that on cards which do charge 3% with no fee (for example, the WorldPoints Platinum Plus MasterCard):</p>
<blockquote><p><strong>Transaction fee for Balance Transfers and Cash Advance Checks:</strong> 3% of each such cash advance (minimum $10).</p></blockquote>
<p>To me, it seems more than reasonable to assume that the first card has no fee.  Yet the reality is different.  The awkward wording for the first card does suggest the possibility that some improper updating of the T&#038;C&#8217;s is involved.  However, that language has been used on their web site for at least a few months.</p>
<p>Given the potential ambiguity, you would hope that BofA would at least honor the no fee terms for customers who were honestly misled.  It wouldn&#8217;t hurt to change the terms on their web site, either.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/beware-of-bank-of-america-no-fee-balance-transfers/">Beware of Bank of America No Fee Balance Transfers</a></p>]]></content:encoded>
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		<title>BofA MLB Extra Bases Credit Card: Free iPod Nano &amp; Jersey</title>
		<link>http://www.creditcardwatcher.com/bofa-mlb-extra-bases-credit-card-free-ipod-nano-jersey/</link>
		<comments>http://www.creditcardwatcher.com/bofa-mlb-extra-bases-credit-card-free-ipod-nano-jersey/#comments</comments>
		<pubDate>Fri, 15 Sep 2006 15:24:35 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Balance Transfer Offers]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Reward Cards]]></category>
		<category><![CDATA[Signup Bonuses]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/bofa-mlb-extra-bases-credit-card-free-ipod-nano-jersey/</guid>
		<description><![CDATA[<p>Courtesy of FW, we have this find. The Bank of America MLB™ Extra Bases™ Credit Card is a card for baseball lovers. It earns you points towards baseball memorabilia and rewards, as well as some travel and cash rewards. With the special signup offer, you also receive: An official MLB licensed jersey after your first [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bofa-mlb-extra-bases-credit-card-free-ipod-nano-jersey/">BofA MLB Extra Bases Credit Card: Free iPod Nano &#038; Jersey</a></p>]]></description>
			<content:encoded><![CDATA[<p>Courtesy of <a target="_blank" href="http://www.fatwallet.com/t/52/653416/">FW</a>, we have this find.  The Bank of America MLB™ Extra Bases™ Credit Card is a card for baseball lovers.  It earns you points towards baseball memorabilia and rewards, as well as some travel and cash rewards.  With the special signup offer, you also receive:</p>
<ul>
<li>An official MLB licensed jersey after your first qualifying transaction</li>
<li>An Apple iPod nano by making any combination of purchase or cash advance transactions (balance transfers included) totaling $2,000</li>
<li>Intro 0% APR  for Cash Advance Checks and Balance Transfers through your first twelve billing cycles. (subject to a 3% transaction fee, no less than $10)</li>
</ul>
<p><strike>More information about this offer can be found <a target="_blank" href="https://wwwn.applyonlinenow.com/USCCapp/Ctl/entry?sc=FAAF89">here</a>.</strike><br />
<strong>Edit 7/26/2007:</strong> The previous offer with the iPod nano is no longer available.  For details of the current offer, please see <a href="http://www.creditcardwatcher.com/card/Major-League-Baseball-Extra-Bases-Credit-Card.php">this page</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bofa-mlb-extra-bases-credit-card-free-ipod-nano-jersey/">BofA MLB Extra Bases Credit Card: Free iPod Nano &#038; Jersey</a></p>]]></content:encoded>
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		<title>Goldpoints Plus: 20,000 Bonus Signup Points Before July 31</title>
		<link>http://www.creditcardwatcher.com/goldpoints-plus-20000-bonus-signup-points-before-july-31/</link>
		<comments>http://www.creditcardwatcher.com/goldpoints-plus-20000-bonus-signup-points-before-july-31/#comments</comments>
		<pubDate>Thu, 20 Jul 2006 15:34:21 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Reward Cards]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Travel Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/goldpoints-plus-20000-bonus-signup-points-before-july-31/</guid>
		<description><![CDATA[<p>According to CardTrak, Carlson Hotels Worldwide and Bank of America have just launched a new affinity card, allowing cardholders to earn 2,000 bonus points for each stay at a Carlson hotel. The standard rate of earning is 3 points per dollar spent. These points can be redeemed for free hotel nights, which start at 15,000 [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/goldpoints-plus-20000-bonus-signup-points-before-july-31/">Goldpoints Plus: 20,000 Bonus Signup Points Before July 31</a></p>]]></description>
			<content:encoded><![CDATA[<p>According to <a target="_blank" href="http://www.cardweb.com/cardtrak/news/2006/july/19a.html">CardTrak</a>, Carlson Hotels Worldwide and Bank of America have just launched a new affinity card, allowing cardholders to earn 2,000 bonus points for each stay at a Carlson hotel.  The standard rate of earning is 3 points per dollar spent.  These points can be redeemed for free hotel nights, which start at 15,000 points per night, or airline miles, merchandise and gift cards.</p>
<p>If you make your first purchase before July 31, 2006, you&#8217;ll earn a bonus of 20,000 points.  If you wait until August 1, 2006 or later to make your first purchase, your bonus is 10,000 points.  For further details, see <a target="_blank" href="http://www.goldpointsplus.com/">http://www.goldpointsplus.com/</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/goldpoints-plus-20000-bonus-signup-points-before-july-31/">Goldpoints Plus: 20,000 Bonus Signup Points Before July 31</a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Bank of America Phasing Out 1.5% and 2% Cash Back on Power Rewards Visa</title>
		<link>http://www.creditcardwatcher.com/bank-of-america-phasing-out-15-and-2-cash-back-on-power-rewards-visa/</link>
		<comments>http://www.creditcardwatcher.com/bank-of-america-phasing-out-15-and-2-cash-back-on-power-rewards-visa/#comments</comments>
		<pubDate>Fri, 30 Jun 2006 22:04:22 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Cash Back Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/bank-of-america-phasing-out-15-and-2-cash-back-on-power-rewards-visa/</guid>
		<description><![CDATA[<p>According to a few reports, including this one, Bank of America will be phasing out the 1.5% and 2% cash back redemption tiers on its Power Rewards Visa card: I just called the Power Rewards Center at 1-888-434-2232, and they told me they will indeed be phasing out BOTH the 30,000 point reward (for $450 [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-phasing-out-15-and-2-cash-back-on-power-rewards-visa/">Bank of America Phasing Out 1.5% and 2% Cash Back on Power Rewards Visa</a></p>]]></description>
			<content:encoded><![CDATA[<p>According to a few reports, <a target="_blank" href="http://creditcardperks.webgroups.biz/phpBB2/viewtopic.php?t=9570">including this one</a>, Bank of America will be phasing out the 1.5% and 2% cash back <span class="postbody">redemption tiers on its Power Rewards Visa card:</span></p>
<blockquote><p><span class="postbody"> I just called the Power Rewards Center at 1-888-434-2232, and they told me they will indeed be phasing out BOTH the 30,000 point reward (for $450 statement credit, 1.5% cash back), and the 50,000 point reward (for $1,000 statement credit, 2% cash back). She did not know when the phase out will occur, which is disappointing because I specifically asked her, &#8220;so, possibly by the end of this year?&#8221; She did not know.</span></p>
<p>Anyway, she said the highest cash back reward would be 20,000 points for a $200 statement credit, only 1% cash back.</p></blockquote>
<p><span class="postbody">This is a real shame, as this used to be a great card for big spenders, where a true 2% cash back was possible.  Then again, that it was such a great deal probably spelled its demise.  It also underscores the recurring problem with points based programs&#8211;that they can be devalued at any time.</span></p>
<p>Current cardholders would be well advised to get to one of the higher tiers and cash out while the 1.5% and 2% redemption tiers are still available.  Currently these redemption options are only available by calling a CSR.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-phasing-out-15-and-2-cash-back-on-power-rewards-visa/">Bank of America Phasing Out 1.5% and 2% Cash Back on Power Rewards Visa</a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Receive $50 When Opening a New Bank of America Small Business Credit Card Account</title>
		<link>http://www.creditcardwatcher.com/receive-50-when-opening-a-new-bank-of-america-small-business-credit-card-account/</link>
		<comments>http://www.creditcardwatcher.com/receive-50-when-opening-a-new-bank-of-america-small-business-credit-card-account/#comments</comments>
		<pubDate>Thu, 08 Jun 2006 16:27:49 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Business Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/receive-50-when-opening-a-new-bank-of-america-small-business-credit-card-account/</guid>
		<description><![CDATA[<p>Open a new Bank of America small business credit card account online by June 16, 2006 and you&#8217;ll receive a $50 gift check in about 50 days after approval. The link to this offer is here. Credit for this find goes to FT.</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/receive-50-when-opening-a-new-bank-of-america-small-business-credit-card-account/">Receive $50 When Opening a New Bank of America Small Business Credit Card Account</a></p>]]></description>
			<content:encoded><![CDATA[<p>Open a new Bank of America small business credit card account online by June 16, 2006 and you&#8217;ll receive a $50 gift check in about 50 days after approval.</p>
<p>The link to this offer is <a target="_blank" href="https://bankofamerica.smallbusiness.capitalstream.com/wbs/template/home.vm?url=wbs&#038;wizard_id=bofa_cc_app_10.vm&#038;___state_id=NC&#038;___link_id=7103072228101236470&#038;___adtrack_id=00030214655839884030&#038;___source_id=INT">here</a>.  Credit for this find goes to <a target="_blank" href="http://www.flyertalk.com/forum/showthread.php?t=566828">FT</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/receive-50-when-opening-a-new-bank-of-america-small-business-credit-card-account/">Receive $50 When Opening a New Bank of America Small Business Credit Card Account</a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Bank of America &#8220;Pack Your Bags Getaway&#8221; Sweepstakes</title>
		<link>http://www.creditcardwatcher.com/bank-of-america-pack-your-bags-getaway-sweepstakes/</link>
		<comments>http://www.creditcardwatcher.com/bank-of-america-pack-your-bags-getaway-sweepstakes/#comments</comments>
		<pubDate>Thu, 01 Jun 2006 15:19:15 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[MBNA]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Sweepstakes]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/bank-of-america-pack-your-bags-getaway-sweepstakes/</guid>
		<description><![CDATA[<p>When you apply for a Bank of America or MBNA credit card online between now and July 28, 2006, you&#8217;ll have the opportunity to enter into a drawing to choose from one of four vacation packages: America&#8217;s Cup Racing Experience 6-day/5-night adventure for two in St. Maarten, including air, hotel and a half-day sail on [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-pack-your-bags-getaway-sweepstakes/">Bank of America &#8220;Pack Your Bags Getaway&#8221; Sweepstakes</a></p>]]></description>
			<content:encoded><![CDATA[<p>When you apply for a Bank of America or MBNA credit card online between now and July 28, 2006, you&#8217;ll have the opportunity to enter into a drawing to choose from one of four vacation packages:</p>
<ul>
<li><strong>America&#8217;s Cup Racing Experience</strong><br />
6-day/5-night adventure for two in St. Maarten, including air, hotel and a half-day sail on a former America&#8217;s Cup boat</li>
<li><strong>Viva Las Vegas</strong><br />
6-day/5-night New Year&#8217;s Eve celebration for two in Las Vegas, including air, accommodations, $5,000 spending money and more.</li>
<li><strong>Sandals Resort Getaway</strong><br />
7-day/6-night getaway for two to any Sandals Signature All-Inclusive Resort, including air, a 50-minute couples massage and more.</li>
<li><strong>Greek Island Cruise Experience</strong><br />
8-day/7-night charter for two in the Greek Islands, including air, cabin accommodations, exclusive use of yacht and more.</li>
</ul>
<p>You&#8217;ll also be entered in an instant win game where 1,000 Canon PowerShot A530 Digital Cameras and 1,000 Travel World Clock/Calculators will be given away.</p>
<p>For more information, see <a target="_blank" href="http://www.packyourbagsgetaway.com/Pages/Rules.html">the official rules</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/bank-of-america-pack-your-bags-getaway-sweepstakes/">Bank of America &#8220;Pack Your Bags Getaway&#8221; Sweepstakes</a></p>]]></content:encoded>
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		<title>Choice Privileges Visa: 24,000 Point Signup Bonus &#8211; Enough for 3 Free Hotel Nights</title>
		<link>http://www.creditcardwatcher.com/choice-privileges-visa-24000-point-signup-bonus-enough-for-3-free-hotel-nights/</link>
		<comments>http://www.creditcardwatcher.com/choice-privileges-visa-24000-point-signup-bonus-enough-for-3-free-hotel-nights/#comments</comments>
		<pubDate>Fri, 19 May 2006 16:14:33 +0000</pubDate>
		<dc:creator>ccwatcher</dc:creator>
				<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Signup Bonuses]]></category>
		<category><![CDATA[Travel Cards]]></category>

		<guid isPermaLink="false">http://www.creditcardwatcher.com/choice-privileges-visa-24000-point-signup-bonus-enough-for-3-free-hotel-nights/</guid>
		<description><![CDATA[<p>Via FT, when you apply between now and August 31, 2006, you&#8217;ll receive a 24,000 point signup bonus instead of the standard 8,000, enough for 3 free nights at more than 1,000 Choice Privileges locations. Frequent travellers will recognize this card as the one affiliated with the Choice Hotels chain, which includes Comfort Inn, Comfort [...]</p><p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/choice-privileges-visa-24000-point-signup-bonus-enough-for-3-free-hotel-nights/">Choice Privileges Visa: 24,000 Point Signup Bonus &#8211; Enough for 3 Free Hotel Nights</a></p>]]></description>
			<content:encoded><![CDATA[<p>Via <a target="_blank" href="http://www.flyertalk.com/forum/showthread.php?t=559303">FT</a>, when you apply between now and <strong>August 31, 2006</strong>, you&#8217;ll receive a 24,000 point signup bonus instead of the standard 8,000, enough for 3 free nights at more than 1,000 <em>Choice Privileges</em> locations.  Frequent travellers will recognize this card as the one affiliated with the Choice Hotels chain, which includes Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion and MainStay Suites.  Cardholders receive 15 points per dollar spent at these hotels, plus 2 points per dollar on all other purchases.</p>
<p>To apply, call 1-800-341-7589 or visit <a target="_blank" href="http://www.choiceprivilegesvisa.com/">http://www.choiceprivilegesvisa.com</a>.  For current details, see <a href="http://www.creditcardwatcher.com/card/Choice-Privileges-Visa-Card.php">this page</a>.</p>
<p>This post is from Credit Card Watcher, where you'll always find the <a href="http://www.creditcardwatcher.com">best credit card deals</a>.
<br/><br/><a href="http://www.creditcardwatcher.com/choice-privileges-visa-24000-point-signup-bonus-enough-for-3-free-hotel-nights/">Choice Privileges Visa: 24,000 Point Signup Bonus &#8211; Enough for 3 Free Hotel Nights</a></p>]]></content:encoded>
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