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The BankAmericard is no frills bare bones plastic. As for the CL on them... should run in the same league as the others. I have the CR WWF one and it's been doing pretty well and I'm maxed out on CLI's w/ BOA unless I win the lotto. I used to avoid BOA due to not liking big banks in general after being w/ CU's for quite awhile. I did used to have a C/S account w/ them and they just didn't do much for me but that didn't factor into the card decision.