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Balance Transfer to Bank of America PetRewards Visa Bank of America PetRewardsTM Visa®


Bank of America PetRewards Visa
Intro APR: 0%

 Issuer: Card issued by FIA Card Services, NA.
As rewarding as your relationship with you pet. Apply for PetRewards™ Visa® today!

Reward Program Details
  • Points per Dollar in net purchases: 2 Points for each dollar at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores and 1 Point for each dollar using your PetRewards Card on everyday purchases.
  • Bonus Points: 500 upon first purchase
  • Program Rewards: Earn points toward veterinary services, pet food discount certificates, and shelter donations.
  • Yearly Limit on points you can earn: 100,000 points
Value and pricing
    Put your pet's picture on your card or choose from one of three adorable designs
  • 1 point for every dollar you spend on everyday purchases
  • 500 bonus points with your first purchase
  • Rewards begin at just 750 points
  • No annual fee
  • 0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 billing cycles.
  • After your fixed introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 2.99%, 5.99%, 7.99% or 9.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment.
  • All payments you make will be applied to the lowest APR balances first
  • No balance transfer fees for introductory transfers

Card issued by FIA Card Services, NA.




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Apply for Bank of America PetRewardsTM Visa®

If you are considering mortgage refinancing, there are costs you can expect to pay before securing your new loan; however, these costs vary from one lender to the next and are subject to negotiation. Doing your homework before mortgage refinancing and haggling with potential lenders over fees will save you thousands of dollars on your next mortgage loan. Here are several tips to help you comparison shop and receive the most competitive terms and interest rates when mortgage refinancing.

Mortgage Refinancing: Fees You Can Negotiate

Many homeowners make the mistake of thinking whatever fees the lender charges is what they have to pay. You can actually negotiate with the mortgage lender and pay less. Fees that you can haggle with your lender over include origination fees, any “loan processing” fees, and many of your closing costs. Your lender may waive an appraisal fee or cost of the credit checks simply by asking.

Mortgage Refinancing: Watch out for “No Cost” Loans

If you don’t have the cash to pay your closing costs, many lenders allow you to roll these expenses into your loan balance. While this is a convenient alternative to coming up with the cash, doing this will result in paying interest on your closing costs for the entire duration of the loan. Rolling your closing costs into your mortgage balance can result in paying this expense ten times over. You’re always better off negotiating for lower fees and paying at the closing table whenever possible.

Mortgage Refinancing: How Much Can You Expect to Pay at Closing?

You can reasonably expect to pay 1-1.5% of your loan balance in fees and closing costs. These expenses vary from one mortgage lender to the next so it is important to comparison shop when mortgage refinancing. When you comparison shop for the best loan, make sure you are comparing all aspects of the mortgage offers. Many homeowners assume choosing the offer with the lowest interest rate means they are getting the best deal; however, by overlooking lender fees and closing costs in your comparison you could overpay thousands of dollars.

You can learn more about your mortgage refinancing options including common mistakes to avoid by registering for a free mortgage guidebook.


  • Transfer your balance to Bank of America PetRewardsTM Visa®

  • If you are in the process of refinancing your mortgage and are working with a broker, your mortgage broker could be robbing you blind without you even knowing it. Broker Banks are a special type of lender that is nearly indistinguishable from other mortgage brokers and are exempt from all disclosure laws protecting homeowners in the United States. Here’s how to protect yourself from broker bank fleecing when refinancing your home loan.

    When the Real Estate Settlement Procedures (RESPA) legislation was making its way through Congress and the Senate, your friendly neighborhood bankers lobbied intensely to be excluded from the proposed legislation. Millions of dollars changed hands and when RESPA became a law, lo and behold banks were exempt from the newly founded disclosure laws that protect American homeowners from predatory lending practices.

    The RESPA loophole for Banks is why you should never apply for a mortgage with your Bank, but what about mortgage brokers? Mortgage brokers are required to disclose under RESPA, but wanted the same loophole afforded to your bank; as a result, Broker-Banks were born. Broker-banks are nearly indistinguishable from any other mortgage broker except for one key factor. Broker-Banks are exempt from the disclosure laws provided by RESPA. This means if a mortgage broker charges you a $1,000 fee for their services, they are required by law to disclose this fee to you. A Broker-Bank can charge you the same $1,000 fee without you even knowing it.

    Broker-Banks take advantage of this loophole by exploiting the interest rate you are sold with your mortgage. That’s right; you are sold an interest rate, not qualified by the lender. The Broker-Bank receives a bonus for selling you a loan with a higher interest rate. For every .25% extra you agree to pay on your mortgage interest rate, the Broker-Bank receives a bonus of as much as 1-1.5% of your loan balance. The Broker-Bank overcharges you, pockets a bonus from the lender, and no one is the wiser.

    This is why you should never do business with a Bank or a Broker-Bank when it comes to your mortgage loan. The bad news is that Broker Banks are nearly indistinguishable from mortgage brokers. How can you tell if your mortgage broker is an actual broker or a Broker-Bank? You can learn this and more by registering for a free mortgage guidebook.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.