WTF? Bank of America American Express worldpoints rewards?

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WTF? Bank of America American Express worldpoints rewards?

Postby contozo » Sun Jun 26, 2011 3:14 pm

Got a checking and savings at Bank of America and a couple weeks ago I was hustled to apply for their American Express credit card and like an idiot I took the bait without researching it first.

My card comes in the mail yesterday and it is an American Express but uses wordpoints rewards???? I was under the impression my card would be membership rewards points because it is an American Express. This worldpoints program is not what I was expecting. I thought that was a Mastercard program??????

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Postby jeffysdad » Sun Jun 26, 2011 7:51 pm

WorldPoints is the Bank of America/FIA Card Services rewards program. It is not affiliated with Amex in any way. Your card says "American Express" on it but that is only because it uses the Amex network, instead of, for instance, Visa or MC. The only true American Express cards come from Amex itself.

I have a FIA Card Services Fidelity Amex and I find it to be superior to the Amex cards I've had in the past, for rewards, points mall bonus points and customer service.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby Mogul of Pineapples » Sun Jun 26, 2011 10:54 pm

If it's cash back you are after the World Points are actually a better value than using Membership Reward points for cash. The only major drawback though with the BofA AmEx World Points rewards is that you have to redeem a hefty sum at a time in order to get the penny per point conversion.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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