I have had my Bank of America credit card for several years. I don't think they give enough points in the rewards program for the amount of money spent. I have been happy with the speed of service when I order a reward in the past few months. The main reason I am not happy with my credit card is that I paid it a few days after the due date one time, and they refused to remove the late fee. I spent several minutes on the phone with customer service, and she refused to even listen to me. I would have to say she was rude. I am planning to switch to a different card soon. Customer Service The poor customer service is the main reason I gave this card a 1 in the overall rating. If you want to have a credit card with a company that offers caring and friendly customer service, Bank of America is not the credit card company for you. Available Rates After being late on my payment one time, they raised my interest rate. The rate is too high now.