BofA Signature Visa?

[SoCalGardener]

I've had my BofA Visa for years; its name has undergone several changes in that time. But until I read my most recent statement, I had never noticed that it says "Bank of America Signature Visa." Does this mean anything? A quick search online for 'Signature Visa' tells me it's not a product unique to BofA. Is it good? Bad? Otherwise?

[ChargedUp]

Signature is a Visa benefits level. There's platinum, signature, and the top tier infinite, with the first two being the most common. 

While you can find a list of Signature benefits at Visa.com, not all signature cards carry all benefits. Signature is the upper end of the common issued Visa cards. There used to be a minimum $5K limit on Sig Visa cards, but a few lenders give them out with lower limits (Chase Amazon being one.)

[SoCalGardener]

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@ChargedUp wrote:

Signature is a Visa benefits level. There's platinum, signature, and the top tier infinite, with the first two being the most common. 

While you can find a list of Signature benefits at Visa.com, not all signature cards carry all benefits. Signature is the upper end of the common issued Visa cards. There used to be a minimum $5K limit on Sig Visa cards, but a few lenders give them out with lower limits (Chase Amazon being one.)

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I just saw this on one search--Visa has four levels:

-- Classic

-- Platinum

-- Signature

-- Infinite

Well, I'm wondering when/why/how/if mine changed levels?! As noted earlier, it's had its name changed a few times in the 10 or so years I've had it, and I don't know when it became Signature....versus whatever it was before!

[ChargedUp]

Classic is an old version that I don't think I've seen in quite a while. 

It is possible BoA upgraded your account from platinum to signature somewhere along the line. They did upgrade mine as well.

[MrDisco99]

Issuers can pick and choose which Signature benefits will be on the card anyway, so it's kind of a meaningless distinction.

[SoCalGardener]

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@MrDisco99 wrote:

Issuers can pick and choose which Signature benefits will be on the card anyway, so it's kind of a meaningless distinction.

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What's interesting is that searching BofA's OWN SITE yields absolutely no information about this card! Any search containing the word 'signature' just yields a bunch of irrelevant stuff, like having documents notarized.... *sigh*

[coldfusion]

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@ChargedUp wrote:

Classic is an old version that I don't think I've seen in quite a while. 

It is possible BoA upgraded your account from platinum to signature somewhere along the line. They did upgrade mine as well.

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They're still around.   Here's an example:

https://www.usalliance.org/banking-products/classic-card

[FinStar]

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@SoCalGardener wrote:

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@MrDisco99 wrote:

Issuers can pick and choose which Signature benefits will be on the card anyway, so it's kind of a meaningless distinction.

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What's interesting is that searching BofA's OWN SITE yields absolutely no information about this card! Any search containing the word 'signature' just yields a bunch of irrelevant stuff, like having documents notarized.... *sigh*

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If your card was ever changed to VS, you would have received some Visa Signature literature with it, unless it was just done recently and happens to be on its way. Does your physical card reflect the change?  Also, you can check prior statements, if anything, to see when the change may have occured.

There really won't be anything on the BoA website about it since it's product specific. They still issue Platinum versions of the Cash Rewards/Customized Cash Rewards. Moreover, there are still plenty of former legacy versions of Platinum Visas and MCs floating around that have not been upgraded or converted -- some pre-date the days when MBNA and NationsBank portfolios were acquired by FIA/BoA. And, not long ago, BoA did a recent wave phasing out most of their former [legacy] AmEx-branded CC's (core and affinity).

[coldfusion]

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@SoCalGardener wrote:

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@MrDisco99 wrote:

Issuers can pick and choose which Signature benefits will be on the card anyway, so it's kind of a meaningless distinction.

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What's interesting is that searching BofA's OWN SITE yields absolutely no information about this card! Any search containing the word 'signature' just yields a bunch of irrelevant stuff, like having documents notarized.... *sigh*

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Not surprising really, it's information that IME is typically embedded within a card's Cardholder Agreement.

[Anonymous]

Hm, there isn't A LOT of difference between all the "Visa levels". Some more prestigious such as the Infinite will give you more Visa benefits overall but nothing to write home about from my personal experience. If I were to care about these "levels", I would only care about having a Infinite card such as the CSR and so on.