From Bank of America, the BankAmericard World Wildlife Fund Cash Rewards Credit Card helps you to feel good about supporting the preservation of wildlife while earning rewards points on your regular purchases. Like all rewards credit cards, this one comes with its own rewards schedule. In a nutshell, the key features of this card are:
- 3% cash back on fuel purchases;
- 2% cash back on grocery purchases;
- 1% cash back on all other purchases;
- $100 cash bonus after making at least
- $500 in purchases within the first 3 months of activation;
- No changing categories;Points are earned passively and never expire;
- $5 to the World Wildlife Fund for every new card account opened and activated;
- $5 to the WWF whenever any card is renewed;0.25% of all retail purchases goes to WWF;
- No annual fee;
You should note that the 2% on groceries and 3% on fuel only applies until your purchases total $1500 per quarter with the BankAmericard World Wildlife Fund Cash Rewards Credit Card. Each calendar quarter, your purchase counter is reset to zero, and then you again get the 2% and 3% until you reach $1500. And the cycle repeats. Purchases in excess of $1500 per calendar quarter will receive the base 1% cash back rewards points. Depending on your personal spending habits, this may or may not be of any significant value to you. However, it’s an interesting perk, and a bit of a new spin of the ways that cards are offered. To really do the math to see if any one is any better, it would take a lot of observed experimentation that is never going to be sponsored.
The BankAmericard World Wildlife Fund Cash Rewards Credit Card comes stock with some cool features like Overdraft Protection, which helps you to minimize returned checks and declined purchases. In turn, this helps you to effectively monitor and manage your credit security. You can also elect to receive texts or emails that keep you informed about your balances and payment due dates. It’s really convenient to be able to receive these quick reminder messages right on your cell phone!
A lot of WWF rewards card customers like to take the paperless billing route available to them. No more paper bills coming in the mail means less forest destruction, and in turn, better conditions for wildlife! It also makes your personal financial information more secure to let it live in the electronic realm of your card issuer’s dedicated servers. Paper mail in your mailbox is subject to thievery from identity robbers.
And of course, this impressive, animal-friendly BankAmericard World Wildlife Fund Cash Rewards Credit Card empowers you to do your banking via your smart phone. The well-developed mobile app makes banking easy, from anywhere. You can pay credit card bills, transfer funds, check the amount of credit you have available to you and more with this handy tech tool. I’m one of those people that really need to stay wired, and it’s important to me to be able to instantly access my financial records and statements.
BankAmericard World Wildlife Fund Cash Rewards Credit Card Costs, Rates & Fees
Like all its competitors, the BankAmericard World Wildlife Fund Cash Rewards Credit Card makes it clear that all terms and conditions are absolutely not guaranteed. In fact, all fees, rates, costs, terms and agreements may be instantly changed, at any time, with no consideration for you or your feelings. Still though, you should always get familiar with the conditions and fee schedules attached to any card you are considering. So here it goes:
- 0% APR for 12 statement closing dates after your new card is activated;
- Subsequent APR will be set, according to your “creditworthiness” (love that term!), somewhere between 12.99% and 22.99%;
- 22.99% APR on Check Cash Advances and Direct Deposits;
- 24.99% APR for Bank Cash Advances;
- Cash Advances cost $10 or 3% of the amount advanced, whichever is greater;
- ATM, Over-the-Counter and Online Cash Advances will incur a fee of $10 or 5% of the amount, whichever is greater;
- Wire transfers from non-financial entities cost $10 or 5% of the amount, whichever is more;
- Balance transfers cost $10 or 3% of the amount, whichever is greater;
- Foreign transactions will cost 3% of the U.S. dollar amount;
- $35 fee for making a payment late;
- $25 fee for having a payment returned;
BankAmericard World Wildlife Fund Cash Rewards Credit Card Bonus Offer
To get more specific about the BankAmericard World Wildlife Fund Cash Rewards Credit Card rewards program, in order to qualify, you’ll have to make “any combination” of purchases totaling $500 or more within 90 days of opening the account. Each new account only qualifies for a singular $100 Cash Bonus Reward. The $500 must not contain any transaction fees, adjustments and/or returns. Only new customers may qualify. That means that if you have, or had, a WWF rewards card from Bank of America, you cannot participate in the $100-back bonus offer. This offer may also not be substituted for or by any other promotional offer. And finally, you’ll be waiting from 8 to 12 weeks (after the 90 days) to see the $100 kick onto your account summary.
It always makes me feel secure to know that a credit card has a $0 Liability clause contained in case some thief makes off with my card! With this feature, cardholders are protected from any fraudulent purchases made with their cards. There are conditions though. Here’s a snippet from the Bank of America website: “Claims may only be filed by account holder against posted and settled transactions subject to dollar limits and verification, including providing requested information supporting fraudulent use claim.”
The Bank of America BankAmericard World Wildlife Fund Cash Rewards Credit Card is a solid card with interesting features, industry-competitive fees and APRs – and it supports the WWF, which in itself is a pretty cool attractant.