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Type Credit Needed Annual Fee Intro APR Standard APR Rewards Grace Period Category

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MasterCard Excellent Credit $0 0.00% for 12 billing cycles on Balance Transfers 9.99% to 15.99%* Flexible Options 20 DaysConsumer  

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Home Advantage World MasterCard Credit Card with WorldPoints Rewards

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Home Advantage™ World MasterCard® Credit Card with WorldPoints® Rewards

Quick Summary:
This MasterCard rewards card with flexible options is issued by Bank of America. This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 9.99% and may be as high as 15.99%, depending on your credit worthiness*.

APR's:
There is an introductory APR as low as 0.00% for 12 billing cycles. However, this intro rate only applies towards balance transfers. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates.

Rewards:
This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO score of at least 777 is recommended for a higher chance of approval for the Home Advantage™ World MasterCard® Credit Card with WorldPoints® Rewards, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Home Advantage™ World MasterCard® Credit Card with WorldPoints® Rewards is at least 20 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Approval Rate:
If you believe that you fall into the credit record of "Excellent Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 777, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

Earn DOUBLE POINTS at ALL home related merchants for 1 year-- which include (but not limited to) home improvement, electronic, furnishing, paint and hardware stores. Some examples are Lowes®, The Home Depot®, Best Buy®, Bed Bath and Beyond®, Shermam Williams and many more!!!§§ Apply today!

  • Premier services and benefits with an exceptional selection of personalized rewards. In addition to Cash, Travel, Merchandise and Payments toward any Mortgage---you get 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 double points on your purchases at home improvement stores including Lowe’s®, The Home Depot®, and Best Buy® for the first 12 months when you shop for your home.
  • Card issued by FIA Card Services, N.A.




*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying. Is this the card you want? Apply On-line

 

 


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Consumer Card Rate Comparison

APR9.99%
Avg. APR**12.35%
Annual Fee$0
Avg. Annual Fee**$8.23

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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