I spoke recently to a Client Rep regarding upgrading my BankAmericard to a Visa Signature Card. I assumed the Visa Signature had no pre set spending limit. Wrong! I asked the rep what perks are associated with the Visa Signature card that aren't with their other Tier One Cards. She responded that the BankAmericard has a 1.5 to 1 reward points but the Visa Signature doesn't. My question to all of you is what makes this card so different than all the other Tier One cards BOA offers?