Consumers who have average credit, but still would like to have a credit card with a rewards program will want to take a look at the Bank of America Rewards American Express Card. This card allows card holders to earn one point for every dollar they spend on the card on qualifying purchases. Card holders can earn bonus points for travel and dining purchases. When points have been accumulated they can be redeemed for a many different things like gift cards, hotel discounts, merchandise and you can even convert your points to cash. When you redeem points for airline travel there are no blackout date restrictions.

The enticingly low introductory interest rate is good for the first twelve months is applied towards both purchases and balance transfers, however, the rate that goes into effect after the introductory rate has expired is a bit high.

Card holders have the privilege of enjoying the combination of benefits that are available through both Bank of America and American Express. They have access to travel accident insurance, emergency assistance services including hospital and prescription referrals when you travel, protection against loss or theft of the card, and exclusive privileges for travel and shopping discounts through participating merchants and retailers. Card holders have VIP access to marquee entertainment events, personal concierge services, hotels, dining and so much more.

The Bank of America Rewards American Express Card allows members to take advantage of the generous benefits available from the powerful pairing of these two companies. For consumers who love to travel this card is a sensible choice.