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Locked And Loaded With Benefits: Bankamericard Cash Rewards Visa Signature Card Review

The official name of the BankAmericard Cash Rewards Visa Signature Card from Bank of America is quite a mouthful. And like a mouthful of rocky road ice cream, this card is loaded with tasty bits: super low introductory rates, cash back on many purchases and even a nice credit on your first statement. This card even carries no annual fee making it one of the best deals on the market.

Of course, this card works just like any other Visa credit card. It is accepted at millions of locations in more than 200 countries and territories around the world. And like other Visa credit card, you can opt to pay off your balance by the due date of each billing cycle to avoid finance charges or you can choose the convenience of paying just the minimum payment. Qualified applicants can even get an introductory rate of 0% for the first twelve months. 

Every time you use this card for retail purchases in the first six months you earn 3% cash back. After the first six months you still earn 1% back on every purchase. Imagine getting paid to shop! With this card you make a little cash for every latte, pair of shoes and tank of gas you buy. You even earn cash when you use it to buy groceries.

Add it up: everyone spends money every money but this card gives you money back every time you spend. Going out for dinner with a bunch of friends? Cover the check by plopping down this card and pick up their cash plus cash back from the card!

Bank of America wants to jump start your use of the card. Make at least $50 worth of purchases within 60 days of opening the account and the Bank of America will pick up the tab for the first $50! You could use that $50 for a night out with your sweetheart. With that $50 you could pamper yourself with a pedicure. You could load up your portable music player with a bunch of music from your favorite band. You could even be practical and just fill up the tank on your car. The money is yours. Have fun with it!

One little tasty morsel this card offers is the ability to apply your rewards directly to your mortgage. Even if your mortgage is not with Bank of America, you can have your cash rewards automatically applied to your mortgage. Just by using the card, you can get your house paid off early.

Another great tidbit hiding deep in the Bank of America fine print for the card is that if you accumulate $300 or more in rewards and use it all at once, the Bank will add an addition 25%. Imagine if you have to travel for work and use the card for all your expenses. Spend $10,000 in the first six months and you'll earn $300 in rewards (remember that 3% initial reward rate?). Apply that $300 to your mortgage all at once and you'll earn an extra $75!

A regular Visa card is like a scoop of plain vanilla. But the BankAmericard Cash Rewards Visa Signature Card is like a giant ice cream sundae, packed full of great treats. No interest in the first year and low rates after. A $50 credit for purchases in the first 60 days. Cash back that you can even use to work down your mortgage. And, of course, all the regular perquisites of carrying the card that is accepted throughout the world.