May 26, 2024
Bank of America Sandals Visa Signature Credit Card Review

Bank of America Sandals Visa Signature Credit Card Review

The Bank of America Sandals Visa Signature® Credit Card is a travel rewards card for Sandals Resorts guests. It earns four points per dollar on purchases at Sandals and Beaches resorts, two points per dollar on qualifying grocery store and dining purchases and one point per dollar on all other purchases.

There is no annual fee, and you’ll get a 0% introductory annual percentage rate for the first seven months. After that, the APR is 18.24% to 28.24% based on your creditworthiness. When you make $1,000 in purchases within the first 90 days of opening the account you’ll get 20,000 bonus points. This card comes with benefits that include zero liability for fraudulent purchases and no foreign transaction fees.

  • Issuer NameBank of America
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR18.24% to 28.24%
  • Penalty APRUp to 29.99%
  • Purchases Intro APR0% introductory annual percentage rate for the first seven months
  • Balance Transfer Fee$10 or 3% of the amount of each transaction, whichever is greater
  • Cash Advance FeeDirect Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater
    ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater
    Overdraft Protection Cash Advance (if enrolled): $12 for each transaction

  • Want to stay at Sandals or Beaches resorts.
  • Prefer to avoid an annual fee.
  • Want to use the 0% introductory annual percentage rate for the first seven months.

You can use the Bank of America Sandals Visa Signature® Credit Card to save money on your next Sandals or Beaches getaway. It’s a good choice if you’re booking a Sandals or Beaches vacation and want to take advantage of the card’s 0% introductory annual percentage rate for the first seven months and earn rewards along the way. For example, you could book your vacation and pay it off at 0% interest, plus earn 20,000 bonus points when you spend $1,000 in purchases within the first 90 days of opening the account. Those 20,000 bonus points are worth $200 off your next vacation.

Just be sure you don’t take too long to go on that beachside resort trip, as points expire five years after you’ve earned them.

Editor’s Take

The Bank of America Sandals Visa Signature® Credit Card can save you money if you book travel with Sandals or Beaches resorts. Earning four points per dollar on purchases at Sandals and Beaches resorts, you’ll save for your next vacation just by using this card when you stay at one of the resorts.

While co-branded cards tend to have limited redemption options, that’s not the case with the Bank of America Sandals Visa Signature® Credit Card, which allows you to redeem your points for cash as a statement credit, check or deposit into a Bank of America or Merrill account. That’s a helpful option if your points will soon expire and you can’t use them for travel.

This card offers a 0% introductory annual percentage rate for the first seven months and great earning potential from Sandals and Beaches resorts with some flexibility in redemption. However, if you don’t spend much at these resorts or need more flexibility in your rewards earning and redemption options, you might be better served with a different no-annual-fee travel credit card like Chase Freedom Unlimited®. With the Chase Freedom Unlimited®, you can earn 1.5% cash back on all other purchases and redeem rewards for travel outside of Sandals and Beaches.

Jessica MerrittContributor

New cardholders earn 20,000 bonus points after spending $1,000 in purchases within the first 90 days of opening the account.

You can maximize rewards with the Bank of America Sandals Visa Signature® Credit Card by earning four points per dollar on purchases at Sandals and Beaches resorts. You’ll also earn two points per dollar on qualifying grocery store and dining purchases, plus one point per dollar on all other purchases.

Jump-start your points earning by taking advantage of the sign-up bonus. It offers 20,000 bonus points worth $200 when you spend $1,000 in purchases within the first 90 days of opening the account.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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