The Visa Signature Credit Card from Bank of America is offering a $25 bonus for signing up. It offers 15 months 0% APR on balance transfer(BT). However, there is a 3% BT fee that is uncapped. What I would do is to negotiate over the phone once you have the card for doing balance transfer. I have many successes whereas they would waive the BT fee or put a $50 or $100 cap on it. You wouldn’t make money on it by putting your BT money in a high interest earning bank account since interest rate are so low right now. This is best for people paying high interest rate(anything more than 10%) and would like to become 0% for 15 months.
Fine terms for the $25 sign-up bonus:
To qualify for this offer, your new account must be used to make any purchase, balance transfer or cash advance transaction totaling $25 excluding any transaction fees, if applicable within 45 days of the account open date. Limit one (1) statement credit per new account. The Bank of America® Visa Signature® Credit Card with WorldPoints® rewards credit card offer is subject to application approval by FIA Card Services, N.A. After qualifying transaction(s), a $25 credit will appear on your Bank of America Bank of America® Visa Signature® Credit Card with WorldPoints® rewards credit card statement. Allow 8-12 weeks from qualifying to receive the promotional credit.
More information on Bank of America® Visa Signature® Credit Card with WorldPoints® rewards
- Premier services and benefits with an exceptional selection of personalized rewards. Redeem your points for cash back, travel with no blackout dates, car rental and hotel rewards, brand name merchandise, or gift certificates
- Ultimate Access® rewards – an exclusive benefit of your WorldPoints credit card that gives you the ability to redeem for exclusive collectibles, memorable tailor-made experiences, unprecedented access to sports and entertainment personalities, access to marquee events, exclusive designer items, sports memorabilia, and once-in-a-lifetime experiences
- Earn 1 point for every $1 in net retail purchases
- 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
- Access to the MyConciergeSM service, a unique personal assistance service
- Secure Online Account Access and electronic bill payment service
- 24-hour Customer Service
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