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Meet Our Credit Cards Expert
Ben Woolsey is Investopedia’s Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.
How Can I Dispute A Transaction On My Credit Card
We are here to help. When we ask for more information about the circumstances, please answer as accurately as you can. If the case can be submitted through online/mobile banking, you’ll receive a confirmation once the steps below are completed. If the dispute option doesn’t appear or if you have any questions, call us at 800-285-8585 to speak with a representative.
Online banking steps:
To start a dispute, log in to online banking and follow these steps:
U.S. Bank Mobile App steps:
For the best mobile banking experience, we recommend logging in or .
For your protection, we require you to complete additional authentication to unlock your card. .
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Alaska Airlines Visa Signature Credit Card
Best for Alaska Airlines perks
- This card is a good fit for: Alaska Airlines fliers who can make use of an annual discounted Famous Companion Fare, which allows you to book a companion flight from just $121 each anniversary year.
- This card is not a great choice for: People who dont fly Alaska Airlines, which primarily serves the U.S. West coast, will be better-served by a different airline or general purpose travel credit card.
- What makes this card unique? The companion fare is a standout perk, but the card also touts a generous sign-up bonus, decent base rewards and plenty of extras, including a free checked bag for you and up to six guests on the same reservation and a a 50% discount on Alaska Lounge day passes purchased with your Alaska Airlines credit card.
- Is this card worth it? This is a stellar airline credit card by most metrics just make sure you patronize the carrier enough to warrant paying the $75 annual fee.
Jump back to offer details.
Capital One Credit Cards Bank And Loans
See what cards you’re eligible for with no impact to your credit score. Continue . No impact, no worries . Check if you’re pre-approved for card offers with no impact to your credit score. See if I’m Pre-Approved. 360 Checking . No fees, no minimums and early direct deposittalk about easy decisions. … Pre-qualify to see your real rate and …
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How Can I Change The Pin On My Credit Card
There’s a few options available to reset your credit card PIN. Choose the one that works for you.
Representative: If you’re not sure what your PIN is, call us us at the phone number on the back of your card or at 800-285-8585 and request a PIN mailer to be sent to you. We accept relay calls.
Automated phone system: You must have your PIN mailer or the pre-selected PIN to use this option. Call 800-673-3555, listen to the menu options and enter the pre-selected PIN when prompted. We accept relay calls.
Branch/ATM: Visit us at any U.S. Bank branch or ATM. At the terminal, from the main menu, start by selecting Customize ATM, then select Change PIN.
When selecting a PIN, be aware of the following restrictions:
- It can’t begin with a zero , be all nines , or all zeros
- You can’t select 1234
A PIN mailer is a system generated number. Representatives can’t set a specific PIN for you. Once you receive the mailer, follow the above steps to reset your PIN to a new number.
What Credit Score Is Needed For A Bank Of America Credit Card
Bank of America generally requires good or excellent credit for the majority of its consumer and business cards. A good to excellent FICO credit score ranges from 670 to 850. Bank of America does consider those with no credit history for its student card options and those with lower scores for its non-rewards and secured card options.
To apply for a Bank of America credit card, you can complete an online application and get a response in as little as 60 seconds. You will be asked to fill in some demographic information , information about your citizenship , as well as employment information including your total annual income and primary source of income.
Once you have submitted all of your information, you will receive one of four decision messages. One is that your application has been approved. In this case, you can expect to receive your credit card within 10 days. You might also receive a message saying your application has been approved, but for a different card. Its also possible to receive a message saying more time is needed to review your information. Finally, you may receive a notice saying you have been declined.
Before applying for a Bank of America credit card, its a good idea to check your credit score so you have a good understanding of your current creditworthiness. Bank of America uses all three of the major : Equifax, TransUnion, and Experian.
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Watch Your Fico Score
Although there are multiple types of credit scores, the FICO® Score is the one that lenders use most often. You should check yours at least once every few months to ensure you’re headed in the right direction. Some credit cards include a FICO® Score tracker, but if yours doesn’t, there are also free ways to check your score online.
Learn more:How to Find Out Your Credit Score
Your Financial Goals And Personal Spending Habits
There is no one-size-fits-all credit card. Determining which card will offer you the most value comes down to your goals and spending habits. If travel is an important part of your life and you want to earn rewards, one of Bank of Americas travel rewards cards might be a good fit for you. If youre interested in managing high-interest debt, look for the best offer for doing a balance transfer with Bank of America.
Its also important to understand your spending habits, because certain cards within a category might offer bonus rewards for certain expenses. Knowing which categories you spend the most in each month will help you choose a card that will earn the most rewards.
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Edward Bellamy’s Looking Backward
The concept of using a card for purchases was described in 1887 by Edward Bellamy in his utopian novel Looking Backward. Bellamy used the term eleven times in this novel, although this referred to a card for spending a citizen’s dividend from the government, rather than borrowing, making it more similar to a debit card.
Material In Its Entirety
All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.
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Content And Service Availability
Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.
How Can I Pay My Bill
You can make a payment through your online account anytime. Here’s how:Choose your payment amount, then select your bank account and payment date. Currently, credit cards and debit cards cannot be accepted as a form of payment.To edit a payment you’ve scheduled, click the “Edit Scheduled Payment” button on the lower right-hand side of the page.
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Biggest Banks In The Us By Assets
| Ranking |
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: Top 15 largest banks in the US Bankrate.com
Bank of America has both retail banking and corporate banking operations across the United States and in more than 35 countries.
The bank was the first to offer a licensed general-purpose credit card with the BankAmericard in 1966. Ever since, Bank of America has been well-known for its credit card line up, covering the spectrum from cash back to travel to business.
In addition to credit cards, Bank of America offers financial products and services including mortgages, car loans, checking and savings accounts and investments through Merrill Lynch.
Choosing A Bank Of America Credit Card
As with choosing a card from any other issuer, youll want to find the Bank of America card most suitable for you and your needs. For example, the Bank of America Travel Rewards for Students is a great choice for young adults who travel. Other student card options also exist for those who prefer cash back over travel rewards. Frequent non-student travelers will likely be better off with one of the banks numerous travel rewards cards, whichever of the co-branded cards fits best: Bank of America has co-branded cards with Air France KLM, Alaska Airlines or Amtrak.
The BankAmericard credit card and other Cash Rewards and Premium Rewards cards also offer benefits to those whose lifestyles and spending patterns best fit the reward structures these cards offer.
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Vintage Old And Unique Credit Cards As Collectibles
The design of the credit card itself has become a major selling point in recent years. A growing field of numismatics , or more specifically exonumia , credit card collectors seek to collect various embodiments of credit from the now familiar plastic cards to older paper merchant cards, and even metal tokens that were accepted as merchant credit cards. Early credit cards were made of celluloid plastic, then metal and fiber, then paper, and are now mostly polyvinyl chloride plastic. However the chip part of credit cards is not made from plastic but from metals.
What Is The History Of Bank Of America
Bank of America Corporation was formed through the merger of San Francisco, CA-based BankAmerica and Charlotte, NC-based NationsBank in 1998, creating one of the country’s largest banking organizations. Bank of America can trace its roots to the Bank of Italy, started by an Italian immigrant to serve his community in 1904. Bank of America launched the BankAmericard in 1958, which was the second universal credit card ever offered, with Diners Club being the first. The card network behind the BankAmericard eventually evolved into Visa after being spun off from the bank in the 1970s. Bank of America dramatically grew its credit card portfolio when it acquired MBNA in 2004.
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Development Outside North America
The fractured nature of the U.S. banking system under the GlassSteagall Act meant that credit cards became an effective way for those who were traveling around the country to move their credit to places where they could not directly use their banking facilities. There are now countless variations on the basic concept of revolving credit for individuals , including organization-branded credit cards, corporate-user credit cards, store cards and so on.
In 1966, Barclaycard in the United Kingdom launched the first credit card outside the United States.
How Do I Review And Redeem My Credit Card Rewards
How you redeem rewards depends on the type of account you have. View the rewards section of your billing statement to identify your rewards program or log into your account online and view the credit card.
If your rewards program is with U.S. Bank , just follow the steps below to review and redeem your rewards.
Online banking steps:
For the best online banking experience, we recommend logging in at usbank.com.
U.S. Bank Mobile App steps:
For the best mobile banking experience, we recommend logging in or .
Additional information:
- If you find you don’t have the option to view or redeem rewards, your rewards program may be with a retail partner such as REI or SKYPASS. You can find their phone number on your statement and contact them to get your rewards balance and redemption options.
- Cash-based redemption options include a choice of a statement credit, gift card, or deposit into your U.S. Bank checking or savings account.
- Points-based redemption options include a choice of a statement credit, merchandise, gift cards, travel options, and more. Choose any category to browse through.
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Online Bill Payment Services
Confirmation numbers: Get confirmation numbers for each payment made Receive your bills online with the convenience of eBills eBills are like the bills you receive in the mail but delivered online Comerica Web Bill Pay Overnight Check: If a biller can not accept overnight electronic payments, send a check for next day arrival for a fee of $15.95 per payment 4
Best Cash Back: Bank Of America Customized Cash Rewards Credit Card
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
| $0 | |
| Rewards Earning Rate | Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases. |
| INTRO PURCHASE APR | 0% for 15 Statement Closing Dates |
| INTRO BALANCE TRANSFER APR | 0% for 15 Statement Closing Dates |
| Balance Transfer Fee | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| Foreign transaction fee |
- Why We Chose This Card:
- Pros & Cons:
We selected the Bank of America Customized Cash Rewards card as the best cash back rewards option from Bank of America because of its lucrative cash back rate on purchases and simple statement credit, check, or gift card redemption options. The card offers bonus earnings on a category of choice as well as enhanced earnings on grocery purchases, with a base rate on all other purchases.
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New cardholders earn a bonus offer easily
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No annual fee
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Fairly generous introductory 0% APR offer
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Spending caps on premium rewards earnings
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Limited redemption options
Read the full Bank of America Customized Cash Rewards credit card review
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Bank Of America Business Advantage Travel Rewards World Mastercard Credit Card
Our pick for: Small business travel rewards
This is the business version of the issuer’s excellent no-annual-fee travel card. The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Read our review.
Who Should Get A Bank Of America Credit Card
Bank of America offers credit cards suitable for a wide array of consumers. Frequent travelers, students and small business owners can all benefit from using Bank of America cards, as can customers who are strictly interested in cash back benefits or who need to rebuild credit. If your brand loyalty to Bank of America is strong enough to rule out all options from other card issuers, be sure to thoroughly research all of Bank of Americas credit card options in order to find the one most suiting your needs.
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Stay Well Below Your Credit Card Limit
Maxing out your credit cards is bad for your credit score, too. So how much should you really spend? A good rule of thumb is to only spend 30% of your available credit. This means that if you have several credit cards with a collective limit of $10,000, you should make a point to never have more than $3,000 in charges at a single point in time.
Learn more:Does Applying For a Credit Card Hurt Your Credit Score?
How Do I Set Up Autopay For My Credit Card Loan Lease Or Line Of Credit
Once youâve set up automatic payment, we’ll provide you a confirmation page to review. We’ll tell you when your first automatic payment will start, the autopay details that were selected, and a reminder to pay the current month’s payment due. To get started, choose the experience that works best for you.
Online banking steps:
For the best online experience, we recommend logging in at usbank.com.
U.S. Bank Mobile App steps:
For the best mobile banking experience, we recommend logging in or .
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