Important information about the WorldPoints® Rewards Program
Companies that apply for and receive WorldPoints ® Rewards for Business credit card(s) are automatically enrolled in the WorldPoints ® Rewards program (the "Program"). All Points earned by the Cards will accrue to the Company unless the Company designates otherwise (see below).
FIA Card Services, N.A. (also referred to as "our," "us," or "we") sponsors the Program.
Independent third parties manage the travel, merchandise, and gift card/certificate rewards portions of the Program. FIA Card Services, N.A. manages the cash rewards portion of the Program. LesConcierges, Inc. ("LesConcierges") manages the MyConciergeSM personal concierge service ("MyConcierge").
"You" or "your(s)" means the Company, the Guarantors, and/or the Cardholders (if the Cardholders are designated to accrue Points) under a WorldPoints Rewards for Business credit card account ("Account"). A Guarantor may, but need not, be a Cardholder.
The Guarantor may identify to us an individual who shall be an Authorized Contact to perform certain functions on behalf of the Company as described in these Program Rules.
The Account may include one or more business credit cards ("Card(s)") issued in connection with the Account. The Points earned by all of the Cards will accrue at the Company level, unless we are directed by the primary Guarantor or the Authorized Contact to accrue Points at the Cardholder level. A diversion account will not earn Points.
You may earn and use WorldPoints points ("Point(s)"): to obtain car rental and hotel rewards in the United States; U.S. and worldwide air travel rewards; cruise related rewards; a variety of specially selected travel rewards; merchandise, gift card or gift certificate rewards, or cash rewards (collectively, "Rewards"); as full payment for goods or services available through us, the WorldPoints Redemption Center, or the MyConcierge service.
A complete selection of Rewards is displayed online at www.bankofamerica.com/worldpoints (the "Site") and, upon request a letter including an abridged selection of merchandise Rewards will be mailed to the address on file. Cash Rewards are obtained through FIA Card Services, N.A. Travel, Merchandise, and Gift Card/Certificate Rewards are obtained through independent third parties. Rewards obtained through the MyConcierge service and Ultimate Access Rewards are fulfilled by third-party suppliers.
Review and keep this document ("Program Rules"). The Program Rules are separate from the terms of your Business Card Agreement ("Card Agreement"); however, any Claim arising from participation in the Program is subject to the Arbitration provisions of the Card Agreement. From time to time we may change the Program Rules. When any change is made, we will post revisions at the Site and/or we will notify you in writing, as applicable. It is your responsibility to review the Program Rules to be aware of any changes. By our furnishing a copy of these Program Rules to the Company, any Guarantor, or any Cardholder, the Program Rules are deemed disclosed to all Guarantors, Cardholders, and the Authorized Contact of the Company.
General Terms
1. To participate in the Program, the Company and Guarantor(s) must have an Account that is open and has charging privileges, and each Cardholder must be authorized by the Company to maintain and does maintain a Card that is open and has charging privileges.
All fees assessed under these Program Rules are subject to change and are payable as follows:
(1) For Company-level Points accumulation and Company-level billing under the Card Agreement, fees are billed to and payable by the Company; (2) For Company-level Points accumulation and Card-level billing under the Card Agreement, fees are billed to and payable by the first open Card account in good standing; (3) For Card-level Points accumulation and Company-level billing under the Card Agreement, fees are billed to and payable by the Cardholders and roll up to the Company Account; and (4) For Card-level Points accumulation and Card-level billing under the Card Agreement, fees are billed to and payable by the Cardholders.
2. Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns, and adjustments) charged to the Card during each periodic billing cycle ("Billing Cycle") by the Cardholders(s) ("Net Purchase(s)"). Earn 1 Point for each Net Purchase dollar. Points are calculated at each transaction, rounded to the nearest whole Point, and are subject to verification.
The following transactions are not included in "Net Purchases" and, therefore, do not earn Points: Cash Advances of any kind, Balance Transfers, Quasi-Cash transactions of any kind, finance charges, any other fees and charges, all as defined in the Card Agreement; online payments made through Bill Pay Choice®; and unauthorized transactions, including those made with a lost, stolen, canceled, or fraudulent Card.
Points can be accumulated either at the Company level or at the Cardholder level. A Guarantor or Authorized Contact may direct us to change the accumulation level from Company-level to Cardholder-level or from Cardholder-level to Company-level. If such a change is directed, it will only affect Points that are earned after the date of the change.
From time to time, special promotions may feature Bonus Points. Details will accompany the offer.
If this Account is eligible for First-Use Bonus Points, they will be awarded as follows: for Company-level Points accumulation, the Points will be awarded to the Company account; for Cardholder-level Points accumulation, the Points will be awarded to each Cardholder upon the first use of the Card, or as otherwise provided in a separate communication. A Company is entitled to only one award of First-Use Bonus Points, i.e., either at the Company level or at the Cardholder level, but not both.
3. For new customers, accrual of Points may begin on your Enrollment Date. Enrollment Date means the date we mail the Card and the Card Agreement to you. If you are an existing business credit card customer, a Guarantor or Authorized Contact may request to enroll the Account in the WorldPoints program. In that instance, the Enrollment Date is the date we process your request.
Points expire five (5) years from the end of the Billing Cycle during which the Points were earned.
4. Information about Points earned under the Program is available on your monthly billing statement and in Online Banking. Any Points displayed on your monthly billing statement and in Online Banking are subject to adjustment in accordance with these Program Rules.
Points accrue daily, i.e., the Points related to a transaction are eligible for use on the day the transaction posts to your Account.
We shall have no liability for disagreements between Cardholders or Guarantors regarding Points.
You must notify us promptly of any apparent Points discrepancy, but in no event later than 60 days from the date the transaction for which an adjustment is sought is posted to your account. Otherwise, Points earned will be deemed accurate and you will have waived any claim for adjustment.
Discrepancies about Point earnings are not treated as credit card billing disputes. Refer to your Business Card Agreement for details about billing disputes. Our decisions regarding Point discrepancies shall be final.
With the exception of their use in connection with obtaining the specific Cash Rewards described above, Points have no intrinsic cash value, are nonnegotiable, are not your property, and cannot be redeemed for any benefit except those Rewards designated by us.
Unless specifically permitted by these Program Rules or authorized by us, Points and Rewards may not be combined with other discounts, special rates, promotions, or other reward programs offered by us or any other entity, including airline frequent flier, hotel frequent guest, or other travel-related or membership reward charge or credit card programs, whether in the U.S. or abroad.
Except as permitted in these Program Rules, Points may not be brokered, bartered, attached, pledged, gifted, sold, or transferred to anyone else under any circumstances, including, but not limited to: disability, death, upon operation of law, or in connection with any domestic relations dispute and/or legal proceeding.
A Guarantor or Authorized Contact may transfer Points from any Card to the Company or to a GuarantorÕs Card. A Cardholder may transfer Points between the CardholderÕs eligible WorldPoints credit cards. A fee may apply for any transfer. A Cardholder may request as many transfers as desired up to the available Points balance. A Points transfer will take effect on the day the Cardholder requests the transfer. The transferred Points must be redeemed on or before the transferred expiration date (90 days from date of transfer) and transferred points in the receiving account not redeemed by this date will expire and cannot be reinstated. If the Cardholder transfers Points to a Card from another eligible WorldPoints account, the Cardholder should understand that a Guarantor or Authorized Contact may transfer or redeem those Points from the Card.
If your Account is open and in good standing, you may purchase extra Points in 1,000-Point increments by calling the WorldPoints Redemption Center. You may purchase up to a maximum of 10,000 Points per billing cycle. A fee may apply. Any extra Points purchased are subject to the Program Rules, including those concerning Point expiration.
5. To obtain Travel Rewards, Merchandise, Gift Card/Certificate Rewards, go to the Site or call the WorldPoints Redemption Center at 1.877.767.9384. To obtain Cash Rewards, please go the Site or call 1.800.673.1044. To redeem Points for Rewards available through the MyConcierge service, or to make requests through the MyConcierge service without redeeming Points, go to the Site or call the MyConcierge service at 1.877.767.9384 Redeemed Points are deducted from your Points balance as of the date you request a Reward. A Guarantor, Authorized Contact, or the Cardholder may redeem and/or transfer Points accumulated on the CardholderÕs Card. A Guarantor or an Authorized Contact may redeem and/or transfer Points accumulated at the Company level. Decisions made by us regarding Points redemption shall be final.
Neither FIA Card Services, N.A., nor any of the independent third parties shall have any liability for fulfilling Reward requests in good faith in response to any person claiming authority on your behalf. You may designate anyone as the user of a Travel Reward, but all travel documents will be sent to your billing address. Merchandise Rewards (including Gift Cards/Certificates) can be shipped to any address you designate, subject to the shipping terms found at the Site or by calling the WorldPoints Redemption Center. For specific information about the fulfillment of Cash Rewards or the conversion of Points, see the section of the Program Rules discussing this category of reward. MyConcierge Rewards may be issued to anyone you choose, subject to the terms contained in the MyConcierge Terms of Use.
6. Points redeemed for a Merchandise Reward may be credited back to your earnings if the Reward is returned in a timely fashion and in accordance with the procedures we specify. Travel Rewards, Gift Card/Certificate Rewards, and MyConcierge Rewards are considered fully redeemed once issued. No refunds, credits, or substitutions will be issued if improper proof of citizenship or naturalization result in denied boarding or entry when using a Travel or MyConcierge Reward. Cash Rewards are fully redeemed once a check has been issued and mailed to you. We shall not be responsible for lost, stolen, or undelivered checks; however, your Points will be restored as set forth in the Cash Rewards section.
Once a Reward is issued and the value of any transaction(s) forming part of any or all of the Points used to obtain the Reward is either refunded, credited, or otherwise rescinded, we may, at our discretion, cancel reservations, void travel documents, interrupt the shipment of merchandise, stop payment on any check(s), and/or withhold subsequent Points, or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card.
7. If you voluntarily close the Account, you will no longer earn Points, but if the Account remains in good standing, you will have up to 60 days to redeem any Points in accordance with these Program Rules.
If we close or restrict the Card Account for any reason, or you terminate participation in the Program, or you violate the Program Rules, or you convert your Card Account to another account that is not eligible for the Program, you will no longer earn or redeem Points and all unused Points will be immediately and irrevocably forfeited. However, if your Card Account is closed because the Card was reported as lost or stolen (subject to verification), and a new Card Account is opened for you, we will transfer any existing Points from your old Card to the new Card. We reserve the right to disqualify anyone from participation in the Program, refuse to award or redeem Points, forfeit your Points, and/or close your Card if, in our sole judgment, you or any other person(s) using the Card, have violated any of the Program Rules, including but not limited to acts of fraud or other abuse.
You are responsible for all transactions and other activities resulting from the use of your WorldPoints Card accounts. You must immediately notify us of any actual or suspected unauthorized use of your WorldPoints Card accounts.
8. We may, at any time, without prior notice, (a) change, limit, or terminate any aspect of the Program; (b) terminate the Program in its entirety (c) amend the Program Rules, benefits or features, in whole or in part; (d) discontinue or replace any Reward with a similar one of lesser, equal, or greater value; (e) modify, delete or terminate any or all of the Program, the Program Rules or any portion thereof, any or all of the participating partners (if any), Rewards, benefits, or special offers if applicable; or (f) terminate a CardholderÕs participation in the Program for any reason. Changes may affect outstanding transactions and Points, and may include, but are not limited to, the earnings rate for Points, the number of Points required to redeem Rewards, the number of Points required for any Reward, the type of transactions qualifying for Points, the type or value of Rewards, the expiration date of Points, and the maximum number of Points that may be earned per month or year, or otherwise, if applicable. Any of the foregoing actions may be taken even if such actions affect the value of Points already earned. The program is not scheduled to end on a predetermined date.
9. We are not responsible for delayed or lost correspondence sent by U.S. mail or any other form of delivery, including e-mail. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, theft, destruction, or unauthorized access to, or alteration of Points accrued and redeemed or other Program activities.
For information about our rights and your responsibilities regarding the online portion of the Program, see the Terms of Use at the Site.
10. Suppliers of goods and services are independent contractors and are neither agents nor employees of FIA Card Services, N.A., Visa U.S.A. Inc., MasterCard International Inc., or any of their affiliates; or any group, organization, or entity endorsing a credit card program issued by FIA Card Services, N.A. FIA Card Services, N.A. neither offers, endorses, nor guarantees any of the goods, services, information, or recommendations provided by third parties to you.
11. Independent third parties manage the Merchandise and Gift Card/Certificate Rewards portions of the Program. An independent third party travel agency, registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (6011237430) and other states, as required, manages the Travel portion of the Program. The Cash Rewards portion of the Program is managed by FIA Card Services, N.A. The MyConcierge Rewards portion of the Program is managed by LesConcierges, Inc.
12. You hereby release FIA Card Services, N.A., the independent third parties, LesConcierges, and each of their respective affiliates and subsidiaries from all liability for injury, accident, loss, claim, expense or damages sustained by you, and in the case of a Travel or MyConcierge Reward, anyone traveling with you or without you, in connection with the receipt, ownership, or use of any Reward.
The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the Reward. We are not responsible for typographical errors and/or omissions in any Program document.
13. You are responsible for determining any tax liability arising from participation in the Program. Consult your tax advisor concerning tax consequences. The Program is subject to government approval and is void where prohibited by law. All aspects of the Program are governed by the laws of the State of Delaware, without any reference to its choice of law provisions.
Travel Rewards
Basic Air Rewards
We describe all basic air rewards ("Basic Air Rewards") both in terms of the number of Points required and a corresponding maximum dollar value ("MDV"). If the Air Reward you wish to obtain conforms to our specified booking terms and does not exceed the corresponding MDV, it will be considered a Basic Air Reward. If the dollar cost of the Air Reward you wish to obtain exceeds the MDV, you may obtain a FlexAir reward ("FlexAir Reward"). MDV includes all taxes, destination fees and the September 11th security fee. An additional fee may apply to all Basic Air Rewards and a redemption fee will apply to all Basic Air Rewards redeemed via telephone. The amount of such fee(s) will be disclosed at the point of redemption.
The number of Points and corresponding MDV required for coach-class Basic Air Rewards are: within the 48 continental states of the U.S.: 25,000/$400; from the 48 states to Canada, Mexico, or Puerto Rico: 35,000/$600; from the 48 states to Alaska, Hawaii, the Bahamas, Bermuda, or the Caribbean: 45,000/$600; from the 48 states to Europe: 60,000/$800; and from the 48 states to Central or South America, Asia, Africa, or the South Pacific: 85,000/$1,150. The number of Points and corresponding MDV required for first- or business-class Air Rewards from the 48 states to any location listed above, are: 100,000/$1,500; 135,000/$2,000; 200,000/$3,000; 265,000/$4,000; 335,000/$5,000. References to the 48 states include travel to the District of Columbia. Round-trip ticketing must be made through the WorldPoints Redemption Center on the same U.S. carrier and be approved by the Airline Reporting Corporation. Unless redeeming Points for first- or business-class travel, the ticket will be coach-class and the lowest fare available through the travel provider at the time of booking.
Reservations and ticketing require at least 21 days' advance notice and must include a Saturday night stay. Most international travel: stay at least 7 but no more than 30 days. Check requirements when booking. Stopovers of more than 4 hours are not permitted and there is no limit on connections. Actual travel dates/times are subject to availability of coach-, business-, or first-class airfare, as applicable. Air Rewards are not refundable (see General Terms, Paragraph 5, above). Miscellaneous costs, including, but not limited to, excess baggage, gratuities, insurance, and airline amenities, are your responsibility.
FlexAir Rewards
If the Air Reward you wish to obtain does not conform to the Basic Air Reward terms described above (e.g., lowest fare available by the fare provider at the time of booking, less than 21 days advance notice, no Saturday night stay, stopping in multiple cities, selecting a specific airline, an international stay lasting less than 7 days or longer than 30 days, or similar special requests), the reward will be considered a FlexAir Reward. FlexAir Rewards begin at 15,000 Points, but have no corresponding MDV. You must obtain FlexAir Rewards by redeeming Points. If the Points value of a FlexAir Reward exceeds your Points available, you may purchase the additional Points required to obtain the reward by charging the cost of the Points to your Card and earn Points for the transaction. The price of the reward will be determined at the time of redemption. Additional Points purchased for a FlexAir Reward are not required to be in increments of 1,000 and do not have a limit on the number you may purchase. A FlexAir Reward value includes all taxes and destination fees. FlexAir Rewards are not refundable (see General Terms, Paragraph 5, above.) Miscellaneous costs, including, but not limited to, excess baggage, gratuities, insurance, and airline amenities, are your responsibility. Check requirements when booking; a fee may apply.
Car Rental & Hotel Rewards
All reservations and payments related to WorldPoints Car rental and Hotel rewards must be made through the WorldPoints Redemption Center.
Rent any size vehicle for any number of days with pickup and return to the same rental location within the U.S., using Points and in some instances, Points in combination with the use of the Card. 5,000 Points = $50 MDV.
Hotel Rewards are available at participating properties in the U.S. Use your Points, and in some instances, Points in combination with the use of the Card to obtain accommodations. 5,000 Points = $50 MDV.
For every 5,000 Points you use to obtain an eligible car rental or hotel reward, you will receive a $50 credit toward the cost of the rental of any available vehicle or toward the cost of the hotel accommodations. Redeem as many $50 credits as you choose toward your car rental or hotel award arrangements. For example, if the cost of the car rental or hotel reward is $140 and you have 15,000 Points available to redeem, you may use two (2) $50 credits and charge the remaining $40 to your Card, or you may use three (3) $50 credits. In the case of the latter, your account will not receive credit of any kind (e.g., monetary credit or Points) for unused Points. Points are redeemable only in increments of 5,000. Advance reservations of at least 7 days are required and all travel arrangements are subject to availability. Miscellaneous costs are your responsibility. No minimum stay requirement.
You must meet credit, age, and driver requirements in effect at the time and place of car rental or at the time of reservation or check-in. We process a credit transaction to your Card within five business days after you make your reservation. The credit will equal the MDV of the Points you have used to obtain the rental, or the actual cost of the Reward, whichever is less. Present your Card upon arrival and when returning the vehicle or upon arrival and when you check out. When you return the vehicle or check out, a debit transaction equal to the dollar value of the complete rental cost or the total dollar value of your room bill will be charged to the Card by the rental agent or the hotel. Costs not covered by the Car Rental Reward (e.g., optional charges, including but not limited to refueling, optional/supplementary liability insurance, personal effects coverage and loss damage waiver, dropoff charges, late return fee, additional driver fee, and/or excess mileage fees; or you upgrade the vehicle category, personal charges, food and beverages, additional person(s), and other optional and incidental expenses, or you upgrade the room category) will be included in the debit transaction and are your responsibility: you earn Points for additional costs charged to the Card. If you do not use the Reward the credit adjustment remains but Points used to obtain the Reward are not reinstated.
Cruise-Related Rewards
You may redeem Points and save on the cost of cabin accommodations or shipboard expenses. All reservations and payments related to WorldPoints Cruise Rewards must be made through the WorldPoints Redemption Center. For every 25,000 Points you redeem, you will receive a ($250) discount on the cost of your shipboard cabin accommodations. 25,000 Points = $250 MDV. For every ($100) of shipboard credit you request, you must redeem 10,000 Points. 10,000 Points = $100 MDV.
Discount and shipboard credit rewards may not be available on all cruise lines, check at the time of reservation. Cruise-related Rewards may not be used retroactively or to pay the cost of cruise deposits. The cruise discount will not be effective until you have tendered final payment for the travel arrangements. The appropriate number of Points you wish to redeem will be deducted from your total Points earnings when you authorize the billing of the deposit for the reservation to your Card. The amount of the discount may not exceed the total cost of your cruise arrangements.
Miscellaneous charges, including, but not limited to beverages and meals; port charges; taxis and other ground transportation; items of a personal nature (e.g., laundry, dry cleaning, telephone, telefax, internet fees, photographs, medical services, spa services, etc.); excess baggage charges; gratuities; insurance and any other carrier amenities are not eligible for direct offset with the use of cruise-related Rewards, unless such charges are included in the cost of the travel arrangements as quoted by the cruise line operator, or, if such charges are to be paid through use of your shipboard credit portfolio.
There are no exchanges or refunds for no-shows or unused portions of travel arrangements obtained with the use of cruise-related Rewards. If you cancel your travel plans and cancellation fees are assessed, those fees shall be payable with your Card. Cruise-related Rewards cannot be used to pay any portion of cancellation fees. Once a deposit has been paid, we reserve the right to charge you a cancellation fee. If the cruise operator cancels the cruise you have booked, then all or part of the Points used in connection with the booking may be reinstated to your Points earnings at your request. Points which have been reinstated under these circumstances will expire in accordance with the terms of the Program.
Special Travel Rewards
From time to time, Cardholders may receive opportunities to use their Points for select travel rewards: these Rewards may include, but are not limited to cruise and vacation package arrangements. These offers shall be subject to special terms and conditions, which will be disclosed when the rewards are advertised. Special terms may include the cruise line and/or vacation supplier's cancellation and refund policies. We will determine the specific Point redemption level based on the value of each Reward.
Merchandise and Gift Certificate Rewards
Redeem Points for merchandise, gift cards or certificate selections at the Site or from the current printed pamphlet. The selection of items and the number of Points needed to obtain them may change at any time. Rewards are shipped prepaid. Subject to authorization, returns or exchanges must occur within 10 days of your receipt of merchandise rewards and we pay shipping when we arrange returns of unsatisfactory, damaged, or defective Rewards.
Rewards are subject to availability. Goods of equal or similar value may be substituted if the item you select is unavailable. Featured goods may not necessarily reflect exact colors or models due to printing variation and/or manufacturers' model or style updates or photo facsimile used for general representation of merchandise. Restrictions may apply to the availability of some Rewards, such as federal, state, or local regulations or minimum age requirements. Purchase protection or extended warranty coverage associated with your Card is not applicable to Rewards. Warranty, service and/or support for goods may be available to you directly from the merchants, not from us or the third parties.
Most stock items ship within 48 business hours from receipt of your order, unless advised otherwise. Rewards are sent to street addresses, no PO Boxes. Requests for delivery outside the continental U.S., or expedited delivery, are subject to additional shipping charges, if the service is available. Complete details about shipping, including information about direct shipments from suppliers; large freight items; damaged or incomplete shipments, and details about exchanges and refunds are found at the Site and by calling the WorldPoints Redemption Center. Gift card or certificate expiration dates vary by independent retailers. A gift card or certificate must be surrendered at the time it is used, and no photocopies or other facsimiles of a gift card or certificate will be honored. Each merchant has the right to place restrictions on the use of its gift cards or certificates. Any additional costs, if applicable, for taxes, gratuities, alcoholic and nonalcoholic beverages are left to the discretion of the merchant. The merchant determines the disposition of unused portion(s) of gift cards or certificates. Gift cards and certificates are not exchangeable, refundable, transferable, or redeemable for cash and cannot be replaced if lost or stolen. Any unused portion will not be returned as cash unless it is the policy of the merchant to do so. Gift cards/certificate rewards are void where prohibited by law. Use of any gift card or certificate is subject to any additional restrictions contained on or with the card or certificate.
Cash Rewards
Redeem Points for a variety of Cash Rewards either at the Site or by telephoning us. A Cash Reward shall be issued for a pre-determined U.S. dollar sum in the form of a check or an electronic deposit to a checking or savings account of your choice. Cash Reward checks are not issued automatically, checks will be issued only upon request of the Cardholder, Guarantor, or Authorized Contact. The check will be made payable to (1) the Company for Points accumulated at the Company level, or (2) the Cardholder for Points accumulated at the Card level. Each check is mailed to the payeeÕs billing address via first-class U.S. mail within fourteen (14) business days of receipt of the request. Requests for multiple checks are processed and mailed separately. Each check will be valid for ninety (90) days from its date of issue. The expiration date will appear on the check. A check that is not presented for payment before the expiration date will be void and the Cash Reward will then be awarded as a statement credit posting to the applicable Account, if active, within two Billing Cycles following the expiration date and will be applied to your existing balance with the lowest priced Annual Percentage rate (APR).
If your Card is closed before a check is drawn or a statement credit appears, then the Cash Reward will be forfeited (except if your Card has been reported as lost or stolen, subject to verification). Receipt of a Cash Reward check or the appearance of a statement credit does not affect your responsibility to pay your Total Minimum Payment shown on each Statement you receive from us (see General Terms, Paragraph 4, above). There is no yearly limit to the number of checks you may receive.
If you redeem Points for an electronic deposit to a checking or savings account, the deposit will be sent by us to the checking or savings account you have indicated within fifteen (15) business days. Electronic deposit redemptions are final once processed. If an electronic deposit is rejected for any reason from the date it was sent to your designated Financial Institution account, the deposit will be considered void and the Points used to obtain the Reward will be reinstated to your Card. If your Card is closed before the Points can be reinstated to your account, then the Cash Reward will be forfeited (except if your Card has been reported as lost or stolen (subject to verification). We cannot guarantee that your Financial Institution will accept an ACH from us on your behalf. If an electronic transfer is refused for an reason, we will notify you via email within 15 days of your request to the email address designated by you at the time of your redemption.
Currently available Cash Rewards and their respective Point requirements are:
2,500 Points = $12.50 Cash Reward
5,000 Points = $25 Cash Reward
7,500 Points = $37.50 Cash Reward
10,000 Points = $80 Cash Reward
15,000 Points = $120 Cash Reward
20,000 Points = $160 Cash Reward
25,000 Points = $250 Cash Reward
35,000 Points = $350 Cash Reward
50,000 Points = $500 Cash Reward
MyConcierge Rewards
Redeem Points for goods and services available through the MyConcierge service. Points may be used as full payment to obtain a Reward through the MyConcierge service. If the Points value of a Reward through the MyConcierge service exceeds your Points available, you may pay the difference between the cost and your Points available to obtain the Reward. Rewards may be subject to special terms and conditions that will be disclosed when the goods and/or services are requested. Special terms may include the reward supplier's cancellation and refund policies. We will determine the specific Point redemption level based on the dollar value of each reward.
MyConcierge Personal Concierge Service
For the MyConcierge Personal Concierge Service, "you" and "your" refer only to WorldPoints Rewards for Business Cardholders (Cardholders). Cardholders (this includes you, your spouse, and your dependents, under 22 years of age) are provided with access to the MyConcierge personal concierge service, for personal use only. You will be asked to verify your status as a WorldPoints credit card customer whenever you use the MyConcierge service: you should take proper precautions to keep your verification information confidential. The MyConcierge service will make every reasonable effort to help you with planning an occasion or taking care of personal needs, whether you're at home or on the road. Goods and services obtained through the MyConcierge service may be purchased, or, if you qualify, you may pay in full using WorldPoints points ("Point(s)"). The MyConcierge services are provided by LesConcierges, Inc. ("LesConcierges"). Requests for assistance can be made by telephoning LesConcierges or online by visiting www.bankofamerica.com/worldpoints 24 hours a day, 7 days a week. From outside the U.S., call collect to: 415.263.6031. Requests made through any means other than the foregoing may result in additional fees and/or charges. Under no circumstances may Points be used to pay additional fees or charges of any kind.
By using the MyConcierge service, you agree to be bound by the terms and conditions appearing (a) in this document if you access the MyConcierge service by telephone and/or (b) at the MyConcierge web site if you use online access (collectively, the "Terms of Use"). All information provided by you is provided directly to Les Concierges, Inc. Any waiver of any of the provisions of the Terms of Use referred to above must be in writing and signed by an authorized representative of FIA Card Services, N.A.
You may cease use of the MyConcierge service for any reason and at any time; provided, however, that you will be responsible for all charges made at your request prior to such termination. Just as you may choose to stop using the MyConcierge service, we may terminate your access to the MyConcierge service at any time if you violate any of the Terms of Use or if we believe that your WorldPoints account is being used in an unauthorized or fraudulent manner. If we terminate your access to the MyConcierge service, your agreement to the Terms of Use means you will not hold us responsible for the termination.
The MyConcierge Terms of Use may change. When such changes are made, we will notify you in writing and post revised Terms of Use at the MyConcierge Web site. If you use the MyConcierge online service, it is your responsibility to review the online Terms of Use from time to time to be aware of any change. Your continued use of the MyConcierge service will indicate your agreement to any change. We cannot guarantee that information provided through the MyConcierge service will always be accurate or up-to-date; or that you will have continuous access to the MyConcierge service. The MyConcierge service materials may include technical inaccuracies or typographical errors. We reserve the right to add to, remove, or change any of the content or functions of the MyConcierge service without giving specific notice to you. We have no control over the quality, safety, or legality of any products or services purchased by or for you via the MyConcierge service. We do not have control over the truth or accuracy of any advertisements or promotions of any merchants. You should pursue any problems or grievances you may have directly with the responsible merchants.
FIA CARD SERVICES, N.A. AND LESCONCIERGES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, ACCOUNTANTS, ATTORNEYS, AGENTS, AFFILIATES, SUBSIDIARIES, SUCCESSORS AND ASSIGNS, SHALL NOT BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR CONNECTED WITH (I) YOUR USE OF MYCONCIERGE OR (II) ANY OTHER SUBJECT MATTER OF THIS AGREEMENT. Some states do not allow the disclaimer of warranties or the exclusion of liability for consequential damages, so the above limitations may not apply to you in all cases.
You agree to defend, indemnify, and hold harmless FIA Card Services, N.A. and Les Concierges, their respective licensees, successors, and assignees, affiliated merchants, content providers, technology and service providers, advertisers and sponsors, the parent, affiliated and subsidiary companies of each of them and the officers, directors, employees, and agents of each of them from and against any and all third party claims, damages, liabilities, costs and expenses, including reasonable legal fees and expenses, arising out of or related to any breach by you of the Terms of Use or any use of the MyConcierge service by you or by anyone using your WorldPoints credit card account.
If you make a purchase using the MyConcierge service without redeeming Points, it is your responsibility to make full and timely payment. FIA Card Services, N.A. and/or LesConcierges, Inc. shall not be responsible for any consequences due to your failure to remit payment. If there should be an error in the information provided by the MyConcierge service to the merchant it is still your responsibility to pay for the purchase, unless the purchase was made solely with the use of Points.
You agree that in order to process your transactions, the information you provide will be disclosed to merchants and other parties involved in your transaction. Examples of such information include your shipping address, credit card number and billing information. You acknowledge that FIA Card Services, N.A. and Les Concierges have no control over, and no responsibility or liability for, the use by any merchants of personal information or any other information that such merchants independently acquire from you, or that is given to such merchants to process your transactions. The Terms of Use will be construed and interpreted in accordance with the laws of the State of Delaware, without reference to its conflict-of-laws rules. You will comply with all applicable laws, statutes, ordinances, and regulations, either within or outside the United States, which may apply to your use of the MyConcierge service and your purchase and use of goods and services. You acknowledge that various goods or services offered from merchants may be prohibited in your geographic area. These Terms of Use are in addition to the terms of your Business Credit Card Agreement, including its provisions regarding the use of arbitration to resolve Claims (as defined in the Business Credit Card Agreement).
WorldPoints, the WorldPoints Design, and Bill Pay Choice are registered trademarks of FIA Card Services, N.A. Bank of America is a registered trademark of Bank of America Corporation. MyConciergeSM is a service mark of LesConcierges, Inc., and is used by the issuer pursuant to a license. All other company, product, and service names may be trademarks or service marks of others and their use does not imply endorsement or an association with this program.
