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 Home Advantage® World MasterCard® with WorldPoints® Rewards 

  • Earn 2 points for every $1 spent at most home improvement, furnishing and electronic stores
  • Special Rewards: Redeem points for payments toward your mortgage- at a rate of 1% of every net retail purchase
  • WorldPoints® rewards: Redeem points for Cash, travel with no blackout dates, hotel rewards, car rentals, brand-named merchandise, gift certificates and more
  • Ultimate Access® rewards: An exclusive benefit that allows you to redeems points for exclusive collectibles, once-in-a-lifetime experiences, sports memorabilia, marquee events and more
  • Points: Earn 2 points for every $1 you spend at most home improvement, furnishing and electronic stores for the first 12 months. Earn 1 point per $1 in net retail purchases everywhere else
  • Rewards: Redeem Points for air travel, name-brand merchandise, gift certificates at popular retailers, and cash
  • Rewards Start at: 2,500 points
  • World MasterCard®
NameHome Advantage® World MasterCard® with WorldPoints® Rewards
IssuerBank of America 
Credit TypeUnsecured Card 
Card TypeConsumer 
Intro APR 
Regular APR9.99% / 19.99% 
Cash Advance APR 
Annual FeeNone 
Credit NeededGood Credit 
Credit Limit -  
NetworkMastercard 
Grace Period 
Finance Charge 
Balance Transfer Fee 
Cash Advance fee3% (minimum $10) 
Forex FeeTransaction 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. 
Setup Fee
Late Payment FeeBased 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 $250.01 or over. 
Over-limit FeeBased 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 $1000.01 or over. 
ReviewPoints for payments toward your mortgage on every purchase and double points for every $1 you spend at most home improvement, furnishing and electronic stores for the first 12 months! 
Term and Conditions
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