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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®

There is no doubt that in today's must-have market place it is all too easy to give in to the lure of an easy purchase and use the plastic. However, as all too many of us quickly find out it is also frighteningly easy to mark up a huge amount of debt in double quick time. If you are one of the many with the problem of a growing credit card debt then perhaps it is time you started to address the situation.

Just for a minute, imagine if you will the feeling of being rich. Being able to buy anything you want and not having to get in to debt as a result. Is that the lifestyle you would like? Of course it is, that's what we all want! But the trouble with imaginings of this kind is that it is precisely the reason we accumulate credit card debt in the first place. We enjoy the thrill of being able to buy that luxury item on credit and put the reality of actually paying for it to the back of our minds. That is until the bill from the credit card company drops onto the mat the following month.

Once you get into difficulties trying to keep up with an increasing debt, then like many you could be using your imagination again and dreaming that winning the lottery, or inheriting a vast fortune from a long lost relative is going to solve all of your financial woes. If that is the case then dream on because you are living in cloud cuckoo land!

There can be light at the end of the dark tunnel of credit card debt, but you will need to come back down to earth first. Perhaps the hardest thing to accept is that a successful debt reduction strategy will require self discipline and a basis in reality.

Ok, we have established that there is no quick fix, so what are the "easy steps" mentioned in the title? Well 'easy' does not necessarily mean painless, but it does mean straightforward, so:

  • Stop using the card – this might seem difficult at first especially if you have developed a 'borrow from Peter to pay Paul' system, but it is vital.
  • Stop buying luxury items – don't deny it, you are only fooling yourself so stop it now.
  • Cancel your summer holiday next year – yes, really!
  • Forget about the Joneses - and don't even think about trying to keep up.
  • Pay off MORE than the minimum amount – this is absolutely essential if you are to eventually pay off the debt altogether.
  • Stick with it!

Once you achieve these steps, then you will be reducing your credit card debt on a regular basis and well on your way to a wealthier and worry-free financial lifestyle.

Lastly, remember that If you really want to live debt-free, then the only circumstances under which you should keep a credit card is if you are willing to pay off the whole balance each month. Do you have that self control?


  • Transfer your balance to Bank of America PetRewardsTM Visa®

  • If you plan to apply for a loan, you need to do some homework beforehand in order to increase your chances of getting approved. A bankruptcy on your credit report is really a drawback, however, some lenders are willing to approve loans even if you have gone through a bankruptcy as long as it has been discharged and you can prove that you are to be trusted. To prove such a thing you need to make sure that your credit behavior shows no stains for a significant period of time.

    Recreate Credit by Paying on Time

    To start recreating your credit, you need at least six months of uninterrupted bill payments. During this period you need to avoid missing payments, paying late, opening new bank accounts, closing existing ones, requesting credit cards or loans, having too many credit inquiries on your credit report, etc.

    Just pay your bills on time and reduce your debt exposure as much as possible without closing accounts or taking new debt. Slowly, your credit score will begin to rise and recover. Your credit history will start to show an uninterrupted pattern of timely payments that will aid you in this new task.

    Credit Cards Can Aid Your Credit Repair

    Once you can obtain a credit card, do so. A credit card will aid you in recovering your credit because all the payments are immediately recorded into your credit report as credit card issuers report to credit bureaus on a regular basis. Just make sure your payment behavior is impeccable.

    This implies paying always on time, never (absolutely never) missing a payment and paying your balance in full. Try as hard as possible to avoid paying only the minimum payment on your credit card as this creates a bad antecedent and risks your ability to repay if any unexpected situation reduces your available income.

    Personal Loans Can Also Boost Your Credit Score

    At this stage you might be able to successfully apply for a personal loan. Start with small loans as there are a lot more chances of getting approved this way. Also, request short repayment programs, this will not affect your credit score and you’ll improve your credit history as soon as the loan is repaid in full. After repayment you’ll be able to request loans for larger amounts and so on.

    The loan payments will also be recorded into your credit report, raising your credit score and improving your credit history. Though it may take a while, this procedure will eventually lead you again to having a good credit score and to recover your ability to get finance at more reasonable terms: You’ll get higher loan amounts, longer repayment programs and lower interest rates. A good credit score is just a few steps away!


  • 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.