Bank of America Celebrity Cruises WorldPoints

Est Annual Rewards, Net
$224
of Retailer Points
 Bank of America Celebrity Cruises WorldPoints Credit Card
Reward RateReward DetailsAnnual Fee & PromosAPR, variableIntro APR Promotions
1.00%
  1. Earn 1 point per $1 spent on purchases
  1. 2x on Celebrity Cruises
 Fee:$0
Promo: 2,500 Retailer Points Bonus 		Min Apr: 11.24%
Max Apr:23.24%
Default: 27.24%
Cash Adv: 24.24% 		Purchase:1.99% for 7 mos.
Transfer:1.99% for 6 mos.
Finance Charge Calculator
Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.
Finance Charge, Balance Transfer*
TypeInterest
Balance Transfer Fee, 3.0%$300
Promo APR, First 6 months$103
APR, 30 months$3,357
Total$3,760
* calculations assume a balance transfer of $10,000 over 3 years.

Effective Annual Rate for Balance Transfers of 11.2% includes transfer fees and APR promotions. EAR>APR because APR is compounded monthly while EAR is compounded annually.

Effective Annual Rate, Purchases
Promo EAR, 7 months2.01%
Ongoing EAR, 29 months11.84%
Total EAR, 36 months9.85%
APR Rankings
APR 11.24% ranks # 54 out of 313 cards. Average is 13.66%.
Balance Transfer Fee 3% ranks # 46 out of 305 cards. Average is 3%.
Cash Advance APR 24.24% ranks # 200 out of 304 cards. Average is 22.19%.

Rewards Rankings
Annual Fee $0 ranks # 1 out of 322 cards. Average is $19.
Base Reward Rate 1% ranks # 24 out of 248 cards. Average is 0.95%.
Effective Reward Rate 1% ranks # 60 out of 248 cards. Average is 1.04%.
Sign-up Bonus $25 ranks # 82 out of 317 cards. Average is $35.

Rewards Type: Retailer Points
Signing Promotion
($25=2,500 points)/3 yrs 		$8
Estimated Annual Rewards
$21,600 * 1.00% 		$216
Annual Fee, 3 yr avg
 $0
Annual Rewards (Rewards less Fees) $224


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