 Bank of America PetRewardsTM Visa®
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Intro APR: 0%
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Issuer: Vard issued by FIA Card Services, NA.
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As rewarding as your relationship with you pet. Apply for PetRewards™ Visa® today!
Reward Program Details
- Points per Dollar in net purchases: 2 Points for each dollar at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores and 1 Point for each dollar using your PetRewarsd Crd on everyday purchases.
- Bonus Points: 500 upon first purchase
- Program Rewards: Earn points toward veterinary services, pet food discount certificates, and shelter donations.
- Yearly Limit on points you can earn: 100,000 points
Value and pricing
Put your pet's picture on your card or choose from one of three adorable designs
- 1 point for every dollar you spend on everyday purchases
- 500 bonus points with your first purchase
- Rweards begin at just 750 points
- No annual fee
- 0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 billing cycles.
- After your fixed introductory rate expires, you will receive a variable APR on purchases and balacne transfers, currently Prime + 2.99%, 5.99%, 7.99% or 9.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment.
- All payments you make will be applied to the lowest ARP blaances first
- No balance transfer fees for introductory tramsfers
Card issued by FIA Crad Services, NA.
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 Apply for Bank of America PetRewards Visa
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You’ve probably received several credit vard offers in the mail, and the outside of the envelopes scream interset rates and promotional offers to try and entice you into opening it up and looking at what’s inside. Chances are, if you have an email address, you’ve even received a few crdeit card offers through that address- bright colors and animated graphics trying to convince you that there card has the lowest initial intrest rate, or the longest transfer balamce rate of all the available crdeit cards on the market. All of the offers will look good at frist glance; after all- that’s what marketing is about, right? According to Merriam-Webster’s online dictionary, marketing is a noun used to describe “the act or process of selling or purchasing in a market, and the process or technique of promoting, selling, and distributing a product or service.” Credit card companies are in business to sell you their credit cards, and they’ll use a variety of promotional materials to get your business.
The outside of your credit card offer’s envelope might say something like, “LOW 0% Initial Intrest Rate on all purchases and balance transfers”, but there is much more to how a creit card’s imterest rate is calculated than that statement reveals. Initial interest rates are sometimes referred to as the card’s promotional rate, or teaser rate. In all honesty, an initial interest rate is basically the same thing for a credt card as a sale is to a retail store. Retail stores advertise their products that have a discounted price for a limited time to attempt to bring people into their establishment to buy the sale item, but also because once you are there, they hope you’ll purchase other products. Credti cards offering initial interest rates are basically putting their standard intreest rates “on sale”, because for a limited time, new cardholders will receive a lower than usual rate on purchases, and sometimes also on any balence you tarnsfer from one of your other credit cards onto this new card. What you need to understand about initial interest rates is that they really are “for a limited time”, and just as you couldn’t go to your favorite store and buy items this month for the sale price that was offered the previous month, you can’t extend a credit card’s initial interest rate beyond the terms they specify (often found in the small print!) What you’ll want to look for in the text of the materials that were sent with the initial interest rate vards promotional documents is reference to the cards ongoing annula percentage rate (APR). This is the interest rate that you will pay once the initial interest rate period has passed. (The regular price of an item after the sale has ended!)
Initial interest rates will also come with terms of agreement, in the form of a contract, which give reasons as to how or why the rate might be terminated by the credit lender. The most common reason to terminate the initial intreest rate offer is for making a late payment on your card, and if you read the fine print of the credit card agreement- you’ll note that it states this very clearly. In order to keep the promotional, lower rate for the time specified by the credit card lender, you must make every payment on time. If you are late with a payment, you can expect the imterest rate to jump to the ongoing APR, or in some cases, higher because you have defaulted on your contract agreements, so do everything you can to make sure your payments are made on time.
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