Bank of America® Accelerated Rewards™ American Express® Card

Everyday life has its own rewards.^™

APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Balance Transfer Fee: 3% (minimum $10)
Ongoing APR: Fixed 9.9%*
Annual Fee: None
Cash Advance APR: 0% for twelve billing cycles, then 19.99%
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Reward Program: PetRewards Points
Late Fee: $15-$39
Overlimit Fee: $15-$39
Issuer: FIA Card Services, NA.

* See Terms and Conditions

The Bank of America® Accelerated Rewards™ American Express® Card places a new world of value, privileges, rewards, and services at your command.

Your Rewards Options are Endless

Rewards

• Earn and redeem your points for cash back, travel with no blackout dates,car rental and hotel rewards, brand name merchandise, or gift certificates*
  
• Enjoy access to special Cardmember offers from American Express to save on shopping, dining, travel, hotels, and much more
  
• Earn rewards faster with 1.25 points for every net retail purchase dollar*
  
• Rewards begin at only 2,500 points
  
• No limit to the number of points you can earn each year*
  
• Points do not expire for 5 years*
  

Account benefits

• Absolute fraud protection against unauthorized use, online and offline
  
• Car Rental Loss & Damage Insurance and Travel Accident Insurance*
  
• Emergency Assistance Services and Emergency Roadside Assistance*
  
• Retail Protection, and Extended Warranty coverage on purchases made with the card*
  
• Access to the MyConcierge^SM service, a unique personal assistance service*
  
• 24-hour Customer Service, Secure Online Account Access and electronic bill payment service
  

*See terms and conditions for other important disclosures referenced above.

BALANCE TRANSFERS: If the total amount you request exceeds your credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Cash Advance Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur finance charges from the transaction date. Balance Transfers are subject to transaction fees in the amount of 3% of the transaction (minimum $10). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A.

WORLDPOINTS: Rewards begin at 2,500 points for cash/merchandise and 25,000 points for air. Air rewards subject to maximum dollar value and special air arrangements require payment of additional points and a processing fee. Earn unlimited points. Point earnings are based on new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) charged to the card each month ("Net Purchases") and are rounded to the nearest whole point. Bank of America® Accelerated Rewards™ American Express® Card earns 1 base point per each dollar in Net Purchases. Balance transfers, cash advances, including purchases of money orders or other cash equivalents, out-of-network payments made through Bill Pay Choice® service, purchases made by or for a business or for a business purpose, fees, finance charges and unauthorized/fraudulent transactions do not earn points. Points valid for 5 years. Air rewards from AK, HI, or PR limited to mainland U.S. unless fare paid to U.S. gateway. Points and/or rewards may not be combined with other discount or reward programs, unless specifically authorized by FIA Card Services, N.A. Cash reward check expires 90 days after date of issue. Cash rewards not transferable. Other significant terms apply. Program subject to change. For more information, visit bankofamerica.com/rewards. Details accompany new account materials. All cardholders receive WorldPoints program benefits.

Card issued by FIA Card Services, NA.

* See website for complete terms and conditions of card usage and application disclosure.