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 How does a cash reward program work? Typically, the program awards points, "dollars" or a cash value based on the amount you charge. The rate at which you collect points varies depending on what you charge or where you charge it. Some programs offer extra points for using their card at a specific place such as a supermarket or fast food restaurant or for certain items.
Some programs offer a variety of rewards. Consumers can earn meals, tickets to sporting events, airline tickets, electronics, or even create their own reward program.
The goal is to get you the consumer to use your credit card as much as possible. Why? FEES! The credit card issuer makes money from two sources each time you use their card. First, from the merchant who pays the issuer a merchant transaction fee and secondly, from you through finance charges and late fees. A recent survey found that nearly half of U.S. cardholders enrolled in a credit card rewards program have never redeemed their points. However, 60% of consumers said rewards program influences their decision when deciding which credit card to use for a purchase.
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Card issued by Bank of America, N.A. (USA)
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Lost luggage reimbursement.
Purchase protection.
Extended warranty protection.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
Lost luggage recovery.
Emergency airline ticket replacement.
No liability for unauthorized Internet transactions.
Optional personal photo on card.
Optional Mini Card.
See website for additional benefits.
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
APR (Purchases): 1.9% fixed introductory for the first 6 billing cycles, thereafter Prime + 9.99% Variable *
APR (Balance Transfers): 1.9% fixed introductory for the first 6 billing cycles, thereafter Prime + 9.99% Variable *
APR (Cash Advances): 22.24% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: $90
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $5,000
Maximum Credit Limit: N/A
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: None
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None
Reward Program Details:
- A low fixed introductory APR
- 15,000 bonus Dividend Miles after first purchase
- One mile per $1 spent in net purchases
- Double miles on purchases made directly from US Airways
- Annual $99 Companion Certificate good for two guests
- Preferred Check-in and Preferred Boarding
- Unlimited space available upgrades for purchase
- Complimentary US Airways Club membership
- Mileage toward Preferred status
- No Mileage Cap
- No pre-set spending limit
- Complimentary 24x7 Concierge Service
- Award Travel to over 139 countries and 795 airport destinations worldwide
Signature Benefits:
- No preset spending limit
- Visa Dining Privileges
- Year End Summary Statement
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
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