Bank of America Sandals Visa Signature® Credit Card
VisaIssued by Bank of America
Earn 3x on Sandals vacations, Earn 1 point for every $1 spent on all other purchases
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
18.24% – 28.24%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
40000
Earn 40,000 bonus points after you make at least $2,000 in purchases within the first 90 days of account opening.
TOP POINTS
3x points
Earn 3X Points per dollar on purchases at any Sandals & Beaches.
Key Benefits
- Earn WorldPoints® rewards for Sandals and Beaches vacations
- No preset spending limit based on creditworthiness
- Fraud protection with $0 liability guarantee
- Access to Visa Signature Concierge services
Important Limitations
- Balance transfers (high fee)
- Non-grocery/dining everyday spend (only 1x)
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Sandals & Beaches Vacations | 3x points | Unlimited (no annual cap) | • Sandals Resorts |
| All | 1x points | Unlimited (no annual cap) | Earn 1 point for every $1 spent on all other purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
18.24% – 28.24%
CASH ADVANCE APR
20.49% – 28.49%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
BALANCE TRANSFER FEE
4%
CASH ADVANCE FEE
5%
Card Protection & Benefits
Sandals Select Membership Rewards
- ✓Combine your card rewards with Sandals Select Rewards program membership for additional points and vacation discounts.
- ✓Must be a member of Sandals Select Rewards
Travel Emergency Assistance Services
- ✓Multilingual call center available 24/7 for medical, legal, and transportation referrals while traveling.
- ✓Must be traveling away from home
- ✓Cardholder pays for actual services rendered
Security Features
- ✓$0 Liability Guarantee – You are not responsible for fraudulent charges made on your account.
- ✓Lost/Stolen Card Reporting – 24/7 support to report and replace lost or stolen cards.
Best Use Cases
IDEAL FOR
- Sandals and Beaches Resorts guests
- Vacation planners looking for spa and resort credits
- International travelers wanting no foreign transaction fees
NOT RECOMMENDED FOR
- Balance transfers (high fee)
- Non-grocery/dining everyday spend (only 1x)
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $2,000.00 to unlock $40,000.00 bonus
- Effective 2000% return on first $2,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Points
- 3x points on Sandals & Beaches Vacations
- 1x points on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-732-9194
Terms subject to change · View full terms
Last updated: Mar 17, 2026
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