Bank of America has such a bad reputation with me and my friends and family. I applied for this card about six years ago when I was trying to re-establish my credit and in the past have used it on a pretty regular basis. I have always paid off the entire amount when it came due. Their "reward program" is such a scam. After having this card for six years, I have never benefited at all from the rewards program. I have credit cards with other financial institutions and am very pleased with the reward programs that they offer. Bank of America just does not seem to make an effort to try and please their customers in any way, they are always changing the rules, constantly raising the interest rates on this card and they also have an annual fee. Since my credit is great now, it is time for me to say goodbye to Bank of America. If anyone is wanting to improve or establish thier credit rating, I would not suggest Bank of America, there are alot of other options out there !!!!