Bank of America Mastercard

Bank of America’s World Mastercard credit cards are the Norwegian Cruise Line Credit Card, the MLB Credit Card, the Amtrak Credit Card, the Sonesta Credit Card, the Business Advantage Travel Rewards World Mastercard, the Allegiant World Mastercard, and the Spirit Airlines World Mastercard. Cardholders receive World Mastercard benefits such as travel insurance, special privileges at certain hotels, 24/7 assistance and more.

World Mastercards also have purchase protection, which is insurance for things you buy with your card. In addition, you’ll get extended warranties and price protection on eligible items you purchase with a World Mastercard. Lastly, there are benefits that deal with special experiences. For example, you can get VIP access to exclusive events.

Keep in mind that credit card benefits provided by a card network, such as Mastercard, are not necessarily on every credit card in that network by default. In other words, not every World Mastercard will have all the World Mastercard benefits. Ultimately, the card issuer – in this case, Bank of America – decides which cards get which benefits. So it’s best to refer to the benefits guide that was mailed with your card.

To get the Bank of America Mastercard travel insurance, you need to charge the travel expenses on your Bank of America Mastercard credit card, which may include your tickets, prepaid accommodation and other prepaid items.

There are six different types of Bank of America Mastercard travel insurance available:

• Travel accident insurance;
• Trip cancellation/interruption insurance;
• Trip delay insurance;
• Insurance for lost or delayed baggage;
• Rental car insurance.

While your included insurance may be pretty comprehensive, it might not cover absolutely everything. Make sure you understand what isn’t covered by reading the insurance exclusions in the terms mailed with your credit card.

Standard Mastercards only give a mere $100 in travel accident insurance and $100 in trip interruption/delay insurance. Aside from that, they offer the regular baggage delay insurance and rental car insurance amounts.

The most important benefits that come with a Bank of America World Mastercard are:

• Travel insurance
• Purchase assurance
• Price protection
• Extended warranty
• Luxury Hotel & Resorts Portfolio

World Mastercard is the middle tier for Mastercard perks. World Mastercard benefits are better than what you’d get from a regular Mastercard but not as good as World Elite Mastercard perks. 

The Bank of America Mastercard rewards program works differently, based on what Bank of America Mastercard credit card you own. You can get additional information on the reward programs at the following links:

• Air France KLM Flying Blue
• Amtrak Guest Rewards®
• Norwegian Cruise Line®
• Sonesta Travel Pass
• Spirit Airlines Free Spirit™
• Virgin Atlantic Flying Club

You can quickly check your Bank of America Mastercard balance on bankofamerica.com or on your mobile device.

Sign in to online banking and select your credit card account. In addition to checking your balance, you can:

• Get a summary of your current account status, including balance, available credit and information on when your next payment is due
• Request up to 12 months of detailed transaction information
• Download transactions for use with financial management software
• Make a payment online
• Contact customer service

On your mobile device, sign in to the mobile banking app and select your credit card account, or you can set up the My Balance feature to view account balances without signing in to the app.

A Bank of America corporate Mastercard is a special type of business credit card account that’s issued to a corporation (generally one with $10+ million in annual revenue), rather than an individual representing a business. As a result, individuals are not liable for corporate credit card debt, unlike balances on traditional business credit cards.

To get a Bank of America Mastercard securecode contact your transaction processor to confirm that they support the Mastercard SecureCode program.

If they do, install a Mastercard SecureCode compliant "plug-in" application on your site. Test your site with Mastercard to ensure that SecureCode is working properly.

You can display the Mastercard SecureCode logo to let your customers know that you are working to secure online shopping.

The Bank of America Mastercard benefits are the following:

Zero liability: waives the $50 maximum liability to cardholders for fraudulent charges
Mastercard Global Service: emergency assistance including card replacement and cash advances if your wallet or card is lost or stolen
Identity theft resolution service.
Price protection: you can be reimbursed if an eligible purchase experiences a price drop within 60 days of purchase.
Extended warranty: doubles the manufacturer’s warranty for periods of up to 12 months on eligible purchases
Rental car insurance: reimburses you in case of damage or theft up to the cash value of most rental vehicles.

The guide to benefits that was sent to you with your credit card contains all the benefits details. If you need to obtain a copy of your benefits guide, please call the number on the back of your credit card.

You can redeem your Bank of America Mastercard points by signing in to your online account, logging into your account on the Bank of America mobile app, or calling (888) 268-7800.

Bank of America issues credit cards on both the Visa and Mastercard card networks.

The only real difference that stands between Visa and Mastercard is that your card works on the payment network that the company operates. A Visa card won't work on Mastercard's network, and vice versa. Ultimately, any other differences in cards come from the specific card you have.