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Credit Card Rewards Wizard: Discover the Best Credit Card Reward Deals

Note: The default US Consumer Monthly Expenditure Amount refer to Consumer Expenditure Survey (CE) program

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Total you spend per month:	$	Gas Stations:	$
Restaurants:	$	Supermarkets and Drug Stores:	$
Convenience Stores:	$	Warehouse Clubs or Featured Stores:	$
Utilities (including TV):	$	Phone and Internet:	$
Wireless Phone Services:	$	Home Improvement Stores:	$
Airlines, Hotels, Cruises, and Tours:	$	Auto/Vehicle Rentals:	$
Book/Music/Video Stores, Movies:	$	Office Supply Stores:	$
Tax, Accounting, and Legal Services:	$	Web Advertising and Hosting:	$
Computer and Electronics Stores:	$	U.S. Postal Services:	$

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Home Advantage™ MasterCard® from Bank of America Rewards Earning Details

Estimated Monthly Spent Summary:

U.S. Postal Services: $12
Auto/Vehicle Rentals: $157.5
Phone and Internet: $78.7
Utilities (including TV): $154.4
Supermarkets and Drug Stores: $242.2
Restaurants: $166.5
Gas Stations: $165.2
Total you spend per month: $1284.95

Annually Spent in Total: $15419.4

Gas Rewards

$1,982.40 * 1.00 point(s) = $1,982

Total Other Points Earning in 12 month(s): 1,982 point(s)

Restaurant Rewards

$1,998.00 * 1.00 point(s) = $1,998

Total Other Points Earning in 12 month(s): 1,998 point(s)

Foodndrug Rewards

$2,906.40 * 1.00 point(s) = $2,906

Total Other Points Earning in 12 month(s): 2,906 point(s)

Utility Rewards

$1,852.80 * 1.00 point(s) = $1,853

Total Other Points Earning in 12 month(s): 1,853 point(s)

Telecom Rewards

$944.40 * 1.00 point(s) = $944

Total Other Points Earning in 12 month(s): 944 point(s)

Autorental Rewards

$1,890.00 * 1.00 point(s) = $1,890

Total Other Points Earning in 12 month(s): 1,890 point(s)

Postal Rewards

$144.00 * 1.00 point(s) = $144

Total Other Points Earning in 12 month(s): 144 point(s)

Other Rewards

$3,701.40 * 1.00 point(s) = $3,701

Total Other Points Earning in 12 month(s): 3,701 point(s)

Total Estimated Points Earnings Annually: 15,419 point(s)

Home Advantage™ MasterCard® from Bank of America Review:

The Home Advantage™ MasterCard® from Bank of America, issued by FIA Card Services, N.A., is designed for those with excellent credit who would like to earn a variety of rewards, including payments toward their mortgage principal.

Through the reward program, cardholders earn one point per dollar spent on all qualifying purchases. Cardholders will also earn double points on purchases at home improvement stores including Lowe's®, The Home Depot®, and Best Buy® for the first twelve months. There is no limit to the number of points that may be earned, but points will expire within five years. Points are redeemable for various travel rewards, merchandise, gift certificates, and cash.

Cardholders can also redeem points for payments to their mortgage provider. For every 5,000 points earned, $50 will be applied towards the mortgage principal, providing cardholders with the opportunity to reduce interest costs over the life of their loan.

In addition to the reward program, the card also offers common cardholder benefits, such as online account access, fraud protection, and access to a personal concierge service.

The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a reasonably low fixed interest rate on purchases (for those who qualify). It is important to understand that the APR for purchases and balance transfers will vary according to the applicant's credit history and will be either 9.99% or 15.99%.

Therefore, those who will qualify for the lowest rate offered, will take advantage of the introductory rate, and would like to participate in the reward program will benefit most from what the
Home Advantage™ MasterCard® from Bank of America has to offer.

(Review Updated: March 05, 2008)

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