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The Bank of America® Accelerated Rewards™ American Express® Card, issued by FIA Card Services, N.A., is designed for those with average credit who want to participate in the reward program.

Through the reward program, cardholders earn 1.25 points for every dollar they spend with the card. Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, discounts at hotels, and gift certificates. There is no limit to the amount of points that cardholders can earn, but points will expire after five years.

The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a reasonably low fixed interest rate on purchases and balance transfers once the introductory rate expires.

This card also provides various benefits and services including a personal concierge service, identity theft recovery, and absolute fraud protection.

Therefore, those who would like to participate in the reward program and will take advantage of the introductory rate will benefit most from what the Bank of America® Accelerated Rewards™ American Express® Card has to offer.

Type of card: Personal

Introductory apr rate description: 0% APR for 12 Billing Cycles

Purchases apr rate: $9.99

Cash apr rate: $24.99

Fee: $0.00

Additional points: Earn 1.25 points for every $1 in net retail purchases.

Point details: Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, discounts at hotels, and gift certificates.

Points per dollar: 1.25 Points

Best: Very low fixed APR for purchases and balance transfers for those who qualify; 0% introductory offer; access to reward program; no annual fee.

Worst: No extraordinary benefits or discounts offered to cardholders aside from the reward program.

Perks: See website for additional benefits.

Notations: This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• Earn Rewards Faster with 1.25 Points for Every Net Retail Purchase Dollar
• 0% Intro Annual Percentage Rate (APR)* on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
• No Annual Fee and the Flexibility to Pay Over Time
• Redeem Your Points for Travel with No Blackout Dates, Discounts at Hotels, Cash, Brand-Name Merchandise, or Gift Certificates
• Access to Special Cardmember Offers from Participating American Express Merchants to Save on Shopping, Dining, Travel, Hotels, and Much More
• Free 24/7 Concierge Service
• Access to More than 2,200 American Express Travel Services Locations Worldwide to Help You
• Card Issued by FIA Card Services, N.A.