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FiaCardServices was known as MBNA America Bank. It merged with the Bank of America on January 1, 2006. On June 10 it was renamed to FIACardServices. Then on October 20, 2006 the Bank of America, National Association a subsidiary of Bank of America Corporation merged into the FIA. The MBNA name is still used in Canada and Europe. This company processes credit cards for miscellaneous credit companies. It deals with Wachovia Citibank and Chase and other institutions. Fia has a combination of rewards but you have to have a good credit rating. On the site you will find a lot of information. You can find selected cards with new credit card offers, no annual fee cards, low interest credit cards, balance transfer cards, instant decision cards and 0% Intro Rate Cards.

There are the cards by region with the UK Credit Cards and the Canadian Credit cards. The Canadian card is the featured Canadian Credit Card-Provincial Trust Gold Card. You can find out types of cards and the featured cards that are premium, low interest, no annual fee and universal rewards. There is no fixed rate and you get guaranteed approval. There is no credit check and you can get up to $500 cash advance option and a card to improve your credit score. This shopping credit card gives the frequent shopper instant access to an exclusive club with merchandise and products available for their purchase.

There is a moderate credit limit and 0% interest. A nice portion of the site has articles by experts with titles like the 7 Benefits of Small Business Credit Cards to watch for and How to Negotiate a Lower Interest Rate on your Credit Cards? There is a long list of Credit Card Listings that includes CAA Quebec Platinum MasterCard Credit Card, Shoppers Optimum MasterCard Credit Card, Sony Card MasterCard, Best Western MasterCard and much more. The nice thing about the site and FiaCardServices is that the site has news as well information on choosing the right card. There is a section that lists the Cards by the issuer that features American Express, Horizon Bank, Dakota State Bank and more.

The credit cards from Merrill Lynch and Fidelity Investments are issued by FiaCardServices. These can hold high credit limits. There are safeguards and a code of ethics that employers must follow. You can even browse the site anonymously before you decide to sign up and enter into any other obligations.

Fia Card Services World point is a Bank of America Credit Rewards program. It is sponsored by the FIA Card Services N.A. It is an exclusive program to the Bank of America credit cardholders. You can get point just for using your card and shopping. It offers customers rewards that are able to profit them with personal and small business credit cards as well as many other items that you can find at the online store. Those cardholders who want to redeem points have to choose categories. They are:

Gifts/Certificates- This is way that cardholders can give to their friends and family or themselves with gifts. If you get the minimum number of points you can get a gift card for restaurants, hotels, electronics, office supplies, groceries and more. Not only that but you can get discounted air and cruise travel through Fia Card Services World point. For instance if you hold 25,000 points you can get to a destination within the 48 U.S. continental states at no additional cost. You can also get cash rebates, merchandise, car and hotel rentals and more. The features include the World Point Mall, My Concierge, Ultimate Access, Bill Pay and Easy Ways to Earn World Point Rewards that covers highlights of the program.

The great thing with this program is you get to choose what rewards you want. You can get merchandise, gift cards, cash, ultimate access for VIP events, travel or simply give to a charity. What a nice way to spend your points while helping others in the process! You can also get bonus point offers like 10 times the points for shopping at the World Points Mall. The great thing about this program is that you get toll free 24 hr-7 days a week access, emergency cash, emergency card replacement, ATM Access, cash advance checks and balance transfers, instant credit line increase, credit line up to $250,000, yearend summary and fraud protection.

There is an extensive list of general terms that you can read online. The nice thing about this card is that you accumulate points each time the card is used no matter who use it. Then you take accumulate those points for the merchandise or travel destination of your choice. It is always nice to be able to get something for relatively nothing and the Fia Card Services World point lets you do just that!