Are there any Visa WorldPoints credit cards? This question is about Bank of America Credit Cards

Are there any Visa WorldPoints credit cards?

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This question is about Bank of America Credit Cards

Maria Adams, Credit Cards Moderator

@m_adams • 03/18/22 This answer was first published on 02/24/21 and it was last updated on 03/18/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, there aren’t any Visa WorldPoints credit cards. The Bank of America® Visa Signature® Credit Card with WorldPoints® Rewards used to offer this type of rewards, but the card is no longer available. The only WorldPoints credit card available right now is the Norwegian Cruise Line® Credit Card, but it’s a Mastercard.

Norwegian Cruise Line® Credit Card offers 3 points per $1 spent with NCL; 2 points per $1 spent on eligible air and hotel purchases, and 1 point per $1 spent on all other purchases. Those WorldPoints are worth 1 cent each when redeemed for airfare, hotel or rental car reservations, and less when redeemed for cash. You can also redeem for Norwegian Cruise Line purchases and room upgrades.

Other Bank of America rewards programs

Bank of America also has two other rewards programs: Cash Rewards and Travel Rewards. For example, the Bank of America® Customized Cash Rewards credit card gives rewards equal to 1 - 3% cash back of what you spend, redeemable as a statement credit or direct deposit to a bank account.

On the other hand, the Bank of America® Travel Rewards credit card earns 1.5 points per $1 spent on all purchases. Bank of America Travel Rewards credit card points have the most value when redeemed for travel (1 cent each), and the least value when redeemed for cash back (0.6 cents each).

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Bank of America WorldPoints Values

Redemption Method	Average Point Value	Value of 1,000 Points
Travel	1 cent	$10.00
Cash Back	0.8 cents	$8.00
Gift Cards	0.83 cents	$8.30
Miscellaneous	0.71 cents	$7.10

Tips for Maximizing the Value of Bank of America WorldPoints

Pay your bill in full every month.

The Bank of America WorldPoints card’s regular APR is high enough to erode your rewards earnings if you carry a balance from month to month.

Read the rewards program rules.

Every credit card with rewards also has rules for when unredeemed earnings could be lost – usually as a result of closing your account or missing payments. Double-checking these details can help you keep every cent of rewards value you earn.

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How much are Visa rewards points worth?

There are hundreds of Visa credit cards with rewards points, which individual credit card issuers give cardholders for making purchases and reaching certain milestones, but Visa does not have its own rewards points. Rewards are the responsibility of the banks and credit unions that issue credit cards, and Visa is not a credit card issuer.… read full answer

Visa still provides plenty of perks, just not points, miles or cash back for making credit card purchases. Cardholders can claim special Visa offers for savings on travel and shopping, for instance. Visa also is responsible for secondary credit card benefits such as rental car insurance, extended warranty protection, travel insurance and more.

When it comes to rewards points credit cards on the Visa network, the points that you can earn are worth about 1 cent each, on average. The exact value varies by rewards program and depends on what you redeem the points for. Typically, you can spend your Visa card’s rewards points for travel, merchandise through an issuer’s online shopping portal, cash, gift cards, charity donations and more. In some cases, Visa rewards points may be worth more with some redemption methods than others.

You can earn rewards points by making purchases with the right Visa credit card as well as by meeting the spending requirements for a bonus, referring a friend and more, depending on the card.

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Can I redeem my Bank of America WorldPoints at retailers?

No, you cannot redeem your Bank of America WorldPoints at retailers. However, you can redeem your points for gift cards to use at retailers such as Amazon, Macy's, J. Crew, Pottery Barn, Old Navy, Red Lobster, Barnes & Noble Booksellers and more.

You can redeem as few as 3,500 points. Another thing to note is that gift cards are not personalized, so you may transfer them to someone else.… read full answer

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