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I got my Bank of America Visa card about three years ago. It is a company purchase card, which was issued to me by my employer for work related purchase. It does not have any 0 APR or 0 Balance Transfer or cash reward, which is right since I cannot take advantage of a company credit card. In addition to the convenience of using this card for work-related purchase, what made me feel very good about it is that it provides very good protection against fraudulence. A few months ago I got a call from BOA representative asking me if I had made several suspicious purchases, which had not been aware of. BOA quickly cancelled the transactions and gave me instructions on how to get a replacement card. When the company finance supervisor contacted me a couple of days later after he got a letter from BOA on this issue, I proudly told him that the issue had been dealt with and resolved.
I have been using this card for about three years. My main purpose of using this card is for balance transfer. Since I have a good credit score, I got a pretty high credit limit on this card. I have several other credit cards with high credit lines and providing 0 APR balance transfer offers, but this card is my favorite due to two reasons: (1) This card has no annual fee. The BT transaction fee is standard (3%), no higher or lower than other cards; (2) it provides an 18-month 0 APR offer, about 6-8 months longer than the periods provided by other cards. I have been using the transferred money for other investments. Another good thing about this card is that after I paid off the balance, the 18-month 0 APR BT offer would come out again, so I could borrow the money again at a loan rate of 3% per 18 months. So far I haven't had any bad experience with this card and I plan to keep using it.
I had this credit card for a while (about two years). It applied for this card when I was booking a flight ticket on Expedia.com and saw a discount offered for that ticket if I applied for the card, so I went for it. In general, I have no bad experience with this card since I paid off the balance on time every time. However, I also do not feel great about this card. I have several other credit cards, such as American Express for Costco, and Chase Sapphire for groceries. For this card, it seems it's in my best interest only when I book flight tickets on Expedia. I am not frequent traveler, so I don't use this card very often. Over the time, several of my other credit cards frequently provide some 0 APR balance transfer offer for one year, some of which I took advantage of to get extra cash to make some other investments. For this card, however, it had never provided any other incentive offer to encourage me to use it except the initial sign-in bonus. Therefore, over the time, I used this card less and less. Eventually, I cancelled this card because I did not feel the need to keep it anymore.
I had this card for a while several years ago. The incentive for me to get this card was that Amazon provided some discount for my first purchase on Amazon with this card. I was not a frequent buyer on Amazon at that time, so I did not use this card very often and for almost two months I did not touch it. A few months later when I was trying to get a loan I got a copy of my credit report, and surprisingly found that I had an unpaid balance on this card, which significantly reduced my credit score. I was very sure that I had not received any bill from this credit card, and I totally forgot the money I spent with this card several months ago (which was only 20 something dollars). The late fee penalty was higher than the initial discount I got. I called the credit card customer service and tried to ask them to waive the late fee since I had not received a statement from them. Apparently they sent the statement to a wrong address. However, the late fee was not waived and my credit score was lowered. Being very pissed off, I canceled the card immediately and so have never wanted it again, although I am now shopping more frequently on Amazon. Currently there are many other credit cards that provide higher point return than this card, such as the Chase Sapphire preferred card. I am happy with other cards and don't feel the need to get this Amazon card.
I have had this card for several years. I got this card before UA and CO were merged, so I have another Chase credit card for Continental. Both cards offered me some sign-in bonus mileages.For one period of time in the past I traveled a lot and I exclusively took UA flights. I had been using this card for almost every purchase, simply to accumulate the mileage. However, recently I have stopped using this card for two reasons: First, I got a Chase Sapphire Preferred card which provided a generous 50k mileage, which can be equally transferred to my UA mileage account. Chase Sapphire provided the same point return for purchase as the United MileagePlus card. However, the Chase Sapphire points can be transferred to any UA mileage account for free, which is very convenient. On the other hand, if I want to transfer my UA mileage to others I have to pay a large amount of money. Second, in recent years, the UA service has deteriorated and it seems there are plenty of UA mileage floating on the market, which significantly increases the amount of mileage points to redeem a flight ticket. I remember four years ago it was easy to book an international round trip ticket with 65k mileages for any time period. Nowadays, it is almost impossible to find such a deal and usually 65k mileages can only be redeemed for a one-way trip ticket. I have stopped using the United MileagePlus card for a while, but haven't decided whether or not to cancel it, since I am still flying with UA and have a Premier Gold status. Probably before the next time the annual fee is due, I will cancel this card.
I have been using this card for many years, and received over one thousand cash back over the years. It was the main credit card I had been using. However, recently I have used some other cards to take advantage of the sign-in bonus of those cards. So I kept this card sleep for a while, but recently BOA gave me an offer to receive 5% cash back for purchase of everything, which is great, so I switched back to this card. The few things I like about this card: (1) BOA provides generous credit line to me. For a couple of times I called BOA and asked for credit line increase, and got approved. (2) With a high credit line, this card frequently provides 12-month 0% APR for balance transfer, which can be very helpful when I need money for a high yield investment. (3) Each purchase made with this card will immediately show up in my BOA online account, with good details. Based on my observations, the service is better than Chase or American Express cards. I only thing that makes me not to use this card is its cash back rate is 1% for everything purchase, which is slightly lower than some other cards, like Chase Sapphire preferred card. Overall, BOA cash rewards card has been a good card, good and convenient rewards, high credit line, and easy to use and monitor online.
The British Airways Credit Card is a great card. I applied for this card a few months ago and earned 50,000 Avios points after I first used it. The avios points can be used to book flight tickets and it only costs 9000 points to buy a roundtrip ticket from San Francisco to Los Angeles, which means I can take five roundtrip flights between these two locations with these points. This is very great sign-in bonus for me to use this card. Another great thing about this card is that it does not charge foreign transaction fee when I use it outside of the USA. The only thing I don't like this card is that it does not waive the first-year annual fee, which is $95. Currently many other credit cards waive the first-year annual fee. But overall, this is a great card.
I applied for this card 4 months ago and got approved. I earned 50,000 bonus points after I spent $3,000 in the first 3 months. These points can be easily transferred to my United Airlines Mileage Plus account to other people's UA Mileage Plus account without any charge. I have sufficient UA Mileage Plus points, so I sold these points to someone else who needed to book a UA flight ticket. The price was over $500, which is enough for me to buy a domestic roundtrip flight ticket. I like this card. Another good thing about this card is that it does not charge foreign transaction fee when I use this card in other countries, which is typically 3% when I use other credit cards. I highly recommend this card to others.
I applied for this card four months ago and got approved. At that time, the sign-in bonus was 50,000 points as long as I spent 3000 dollars in the first three months. I used this card for grocery shopping, car insurance, traveling, essentailly everything, and my spending easily went over $3000 in three months. Last month I got the bonus points. I transferred these points to my United Airlines Mileage Plus account, and with a a little extra points, I got a round-trip flight ticket to an Asian country. Typically such a ticket cost over $1100. What a wonderful bonus. One more thing, there is no foreign transaction fee when I used this card in the foreign country, which is typically 3% if I use my other credit cards. I highly recommend this credit.