Review

The Elite Rewards® World MasterCard® Credit Card, issued by FIA Card Services, N.A., is designed for those with good credit who want the opportunity to earn a variety of rewards.

Through the reward program, cardholders earn one point per dollar spent on general purchases and double points per dollar spent at participating merchants. In addition, 500 bonus points are awarded after the first purchase. There is a limit of 90,000 points that may be earned per year (7,500 per billing cycle), and any unused points expire in four years. Points are redeemable for gift certificates, car rentals, hotel stays, and flights on over 125 U.S. based airlines.

The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a reasonably low fixed interest rate for those who qualify once the introductory rate expires. It is important to understand that the APR for purchases and balance transfers will vary according to the applicant's credit history and will be either 9.9% or 15.99%.

Therefore, those who will qualify for the lowest rate offered, will take advantage of the introductory rate, and would like to participate in the reward program will benefit most from what the Elite Rewards® World MasterCard® Credit Card has to offer.