Bank of America usually does a good job when it comes to getting credit cards from them, but this one is an exception to the rule. They jacked up my APR and on top of that, I had significant issues actually using the card. I don't know exactly why, but many stores still don't accept the American Express cards. It must be due to some fee that the stores have to charge to use that particular brand and there unwillingness to accept the charge. Customer Service Customer service through Bank of America is and always has been great to me. They are able to answer all of your questions and really do try to keep you a loyal customer. Available Rates The rates are not that great as far as the APR. It all matters on what your credit score is. I did have a really good credit score when I applied and my APR was still higher than I would have liked it to be. You really have to want this card in order to deal with the high APR and lack of ability to use everywhere.