I also have no complaints with BoA and I think they are a great lender. They gave me my very first credit card back in 2007 when I was just starting to build my credit. It was unsecured, had rewards, a low APR and no AF. I've since then PC'd it to the Bank Americard Cash Rewards with the same low APR and no AF. Once in a while, they will offer me balance transfer promos for 0% APR for X number of months...right now its 0% APR until Jan 2014.