Bank of America - Worldpoints Review

Bank of America Worldpoints

I originally got this card for balance transfer purposes.  The terms were quite favorable at that time - 0%, 12 months and not fees.

Their online interface is extremely easy to use.  Getting balances, doing balance transfers and paying your bill is extremely user friendly. 

As for the rewards, that is the drawback here.  1% does not set the world on fire in my opinion, their WorldPoints are nearly worthless.  If you need a balance transfer however, Bank of America could be your best bet in the current climate.  Often they have that the balance transfer will be subject to a 3% fee with no maximum.  However, I have had success in getting them to put a cap on their fees by calling in.  If you can get a $75 cap then the balance transfer is very reasonably priced, if you get a 12 month offer.  Also - I have always thought their customer service was good.

Summary - If you have this card card hold it and look for balance transfer offer.  Other than that there are much better deals out there.