Danib62
Service Attendant
It’s funny that FNBO is acting like 2x points for transit is something new but BofA classified transit as travel and gave you 2x for it.
AGR Credit Card change (October 2022)
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Yea, I was getting 2x points from BofA for my Metrolink (commuter rail) passes as well as my LA Metro (bus/subway/light rail) TAP card.
No mention of 1,000 Tier Qualifying Points for each $5K spent, up to $20K. Is this still a feature?
Also, the bank (which most people have never heard of) seems minimally involved. I didn’t see a single bank logo on the card or any of the paperwork. I wonder what their customer service is like if a charge goes wrong…etc.
Also, the bank (which most people have never heard of) seems minimally involved. I didn’t see a single bank logo on the card or any of the paperwork. I wonder what their customer service is like if a charge goes wrong…etc.
Logo is small, lower left corner of the back of the card.
In one of the earlier mailings from FNBO: "Earn 1,000 TQPs" "Each time you make $5,000 in qualifying purchases on your card."
The MasterCard logo is probably more important than a bank logo.
Received 2 new FNBO cards for 2 accounts that were closed by me with BOA about a month ago. I closed them so I could open a new account(s) if there was an offer from FNBO for bonus points when getting a new card(s). I think I have a couple of choices: (1) don't activate them, or (2) I could call FNBO after the 23rd and close the accounts. However, I'm not sure how that will affect me getting new cards if I close the 2 accounts.
Railfan1983
Train Attendant
If you read the material that’s included it states clearly on October 23, 2022 at 12:00pm CDT or after you can log onto the site or app. Nothing is going live until that date and time.
Travel is just that, travel. What do you mean specific point assignments for various purchases? I think they are pretty clear…
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The actual MCCs covered by travel vary wildly by credit card issuer, and sometimes even vary between different cards from the same issuer.
As a few examples, Chase defines travel as:
Bank of America's Customized Cash Rewards card defines travel as
Bilt Rewards defines travel as (click on the little 1 next to 2x points on travel to get the list)
Citi has multiple definitions depending on the card you're looking at. Their Costco card defines travel as
But on the Custom Cash, "select travel" is defined as
All this is to say that "travel" is defined quite differently depending on which card you're looking at. For example, booking an Amtrak ticket would code as travel with Bank of America and Chase, but not Bilt Rewards or either Citi definition of travel. If I'm doing a car rental, Citi will code it as "select transit" with the Custom Cash, but "travel" on the Costco card, and the other issuers would also count it as "travel."
The exact definition of what FNBO sees as travel matters a lot - if I'm buying a ticket on Flixbus, BoA and Chase will probably count it as travel, I have no idea if Citi will count it as travel, and Bilt Rewards explicitly will not count it as travel. Who knows what FNBO will count it as!
NorthShore
Conductor
I don't think I've ever gotten more than one point for Ventra in Chicago.
You should research the bank. Its not some small time bank in Omaha. Might be the right size to provide some good customer service if needed.
Both BOA and FNBO have been crystal clear in the communications they sent me that the BOA Amtrak card will be cancelled effective 12 pm CT 10/23.
It does not matter what the expiration date is if the issuing bank cancels it, which BOA is going to. It will no longer work.
I was with Chase, too, and the banks and AGR did that one entirely differently. Chase changed the card type and maintained the account. Nothing was transferred, the BOA AGR card required a brand new card application from scratch.
This is not being done the same way and is not a parallel situation.
Personally, if they were going to change banks, I prefer the account transfer methodology they're using this time, rather than starting from scratch. For one thing, I'll be earning points with no break.
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The material I got said the website listed would not be active until October 23rd. The only thing active was the activation phone line.
I know I didn't get two points for VIA purchases. The new policy seems like I will.
Most people have never heard of them because the bulk of their credit business is issuing and servicing cards for smaller banks and credit unions, under the name First Bankcard.
The initial welcome packet received a few weeks ago mentioned the 1K TQPs for every $5K spend. One difference I noticed is FNBO didn't state a limit, which would be very nice if there wasn't one.
Well, BofA's logo isn't exactly prominent on their AGR card either (although you could mistake Amtrak's "falling flag" logo for BofA's, they are very, very similar). There is a smallish BofA logo on the back. On the new card there is a small FNBO logo on the back, a "1" in a circle followed by the lower case letters "fnbo". In any case, what is the big deal about the issuing bank's logo on an affinity card? Nobody really cares and the affinity group is far more prominent than the issuing bank, as it should be with a sponsored card. On my non-affinity cards, the bank's logo is much more prominent than on my affinity ones.
I am glad to hear that FNBO has a big card servicing presence, that makes me more confident, although nothing they have done so far has made me doubt them. They delivered the card when they said they would, they have been quite clear in their communications, and I understand the procedure going forward. Until I am actually their customer, I could not ask for much more thus far. The proof will be in glitch-free processing and their customer service once the card goes live, not how big their logo is or whether we've heard of them before. I have to say I am anxious to see their website, BofA's was kind of kludgy looking although it works fine, so it isn't like FNBO has a huge bar to clear to be an improvement. Chase and Citi's website UIs both seem much better designed and slicker than BofA's, IMHO.
After actually experiencing FNBO's service, then maybe we can measure logos.
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I was notified by a similar letter, and also a prominent pop-up notice with the information whenever I log onto BofA's website. I have found the communication about the BofA account termination and lack of access to statements to have been quite clear. About the only thing lacking in my view was an email in addition to the snail mail. Oh, and no personal phone call with effusive thanks and apologies.
The materials seem to cover all the needed information, with redundancy, which I don't mind at all. Here's the activation number, here's the customer service number, here's what to do and here's what will happen. Beyond that I will be curious to see how easy to navigate the FNBO website is. I appreciated the ease of the BoA site and having my checking account and CC account on the same site.
Because I get attached to irrelevant inanimate things... going to miss the old card design. The new one is like a coloring book version of a novel.
Because I get attached to irrelevant inanimate things... going to miss the old card design. The new one is like a coloring book version of a novel.
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I received my new card - they are now saying 2 points for dining, transit, and ride share. 2 points for dining and ride share is new and double points for dining if it includes all restaurant dining is a significant new benefit for those that eat out.
Ryan
Court Jester
No.
Probably not since the website won’t be available to current card holders till Sunday afternoon
My billing cycle ends on the 19th of the month, and I just got an email from BOA saying that my bill is ready to be paid. Normally I have until about the 15th of the next month until it's due, so I usually wait until after the first of the month when I get my paycheck. I'm not sure what's going to happen this month, though, because my BOA online account will go away this Sunday. They're going to transfer my account over to FNBO, does that mean I'll still have until the 15th to pay may bill without interest? Actually, I'm not going to find out, I think, I'm going to pay my bill today and also download the last statement from BOA.
Last time I logged into my BOA account I received a message about the upcoming bank change. Today when I logged in, I got a message asking for updated income for future credit limit increases. That's funny. In 3 days, I will not have any BOA cards.
Ditto!( I'm gonna set up Autopay for the New Card, and have to also set it up with a few other Accounts I have with the BOA Card)
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Gp30sieb
Train Attendant
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I have not gotten my new card yet. Do I contact BOA? FNBO? Amtrak? (that's a joke!), USPS (That's a bigger joke!!)
I had an auto renewal on 10/18 that was charged to the BOA card. I just tried to make payment on the BOA site and it would not let me make the payment.
I had an auto renewal on 10/18 that was charged to the BOA card. I just tried to make payment on the BOA site and it would not let me make the payment.
jis
Permanent Way Inspector
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Did you get the other mailings via USPS from FNBO? If not then your US mail address in your personal info with BoA may be pointing off to somewhere else.
You balance will transfer to FNBO, so it can be paid there after you have figured out what happened to your card I suppose. Alternatively, if you call BoA today you may be able to pay the balance due via phone at least.
For that BoA would be a good place to start today, and then move over to FNBO next week I suppose. I doubt Amtrak will know anything.
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