Is the World Wildlife Fund credit card worth it? - September 2018 | finder.com

World Wildlife Fund Credit Card review – September 2018

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Support a worthwhile cause by using this no-annual-fee cash back card — with 0% intro APR on purchases and transfers for the first 12 statement closing dates.

30-second take

  • Get this card if… you want to earn cash back while supporting the worthwhile World Wildlife Fund.
  • Pick something else if…you want to support another organization or need a more flexible rewards credit card.
  • Good to excellent credit score of 680 or higher recommended.
Product NameWorld Wildlife Fund Credit Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases14.74% to 24.74% variable
Introductory Purchase APR0% for the first 12 statement closing dates (then 14.74% to 24.74% variable)
Introductory Balance Transfer APR 0% for the first 12 statement closing dates (then 14.74% to 24.74% variable)
Balance Transfer Fee$10 or 3% of the transaction, whichever is greater
Cash Advance Rate17.74% to 26.74% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction Fee3% of the transaction value
Interest Free PeriodUp to 25 days
Minimum Interest$1.5
Late Payment Fee$38
Returned Payment Fee$27
Additional Cardholder Fee$0
Minimum Age18 years of age

The World Wildlife Fund Credit Card offered by Bank of America is an easy way to show support for the preservation of wildlife. Use this no-fee card to earn 3% cash back at gas stations, 2% at grocery stores and 1% on all other purchases for the first $2,500 in combined purchases each quarter. Save more with a generous 0% intro APR offer on purchases and balance transfers for your 12 statement closing dates and an additional $150 online cash rewards bonus after you spend $500 in the first 90 days.

The Basics

If you take pride in supporting the world’s leading conservation organization, the World Wildlife Fund Credit Card could be what you’re looking for. This rewards card donates $3 to WWF on account opening and on each account anniversary as well as 0.08% of all net retail purchases made with the card.

You’re also eligible for benefits that include up to 3% cash back on your spending across gas, groceries and everyday purchases, with many ways to redeem your rewards.

The Perks

  • Support a cause you love.

    Bank of America donates $3 to the World Wildlife Fund when you open your account and on each anniversary. It also donates 0.08% of all net retail purchases made with this card.

  • $150 signup bonus.

    Get a $150 online cash rewards bonus after you spend $500 in the first 90 days from opening your account.

  • Cash back rewards.

    Earn 3% cash back on gas purchases, 2% at grocery stores and 1% on everything else for the first $2,500 in combined purchases each quarter. After you reach the $2,500 mark, you’ll earn 1% cash back for the remainder of that quarter.

  • Multiple rewards redemption options.

    Redeem as little as $25 as a statement credit, a check, electronic deposit into a BofA checking or savings account or to contribute to an eligible cash management account with Merrill Edge or Merrill Lynch Wealth Management.

  • 10% customer bonus.

    When you deposit your rewards into a BofA account or an eligible Merrill Edge or Merrill Lynch Wealth Management cash management account, get a 10% customer bonus. That means that if you redeem $100 as cash rewards, the bank deposits $110.

You’ll also like …

  • 0% intro APR.

    Save interest on purchases and balance transfers with a 0% intro APR that extends throughout your 12 statement closing dates. Offer applies on balance transfers made within 60 days of account opening.

  • $0 annual fee.

    Pay no fee to show your support for WWF over the life of the card.

  • Preferred Rewards.

    Increase your customer bonus to 25% -75% with this three-tiered program that includes free ATM transactions, money market savings, priority client service and no fees on select banking services.

  • Enhanced security and protection.

    Use this card at chip-enabled terminals in more than 130 countries without worry. It also comes with a $0 liability guarantee to protect you from fraudulent transactions.

What to watch out for

  • Foreign transaction fees.

    You’ll pay a fee equal to 3% of each transaction outside of the US — which can quickly add up when traveling.

  • Balance transfer fee.

    You won’t pay interest for a year on balance transfers made in the first 60 days, but you will pay $10 or 3%. This means that you could pay $60 in fees for a $2,000 transfer.

  • Stiff penalties.

    Fees for late payments can soar to $38 for each incident, and you could also be on the hook for a penalty APR of up to 29.99% variable. Returned payments come fees of up to $27.

Consider other cards if …

Compare Bank of America credit cards

Updated September 18th, 2018
Name Product Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
12.99% to 22.99% variable
Earn up to 3% cash back on business purchases with the Business Advantage Cash Rewards Mastercard® credit card.
$0
14.74% to 24.74% variable
0% for the first 15 statement closing dates (then 14.74% to 24.74% variable)
Transfer high rate balances and save on interest with an Introductory $0 balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
$0
14.74% to 24.74% variable
10,000 MyCruise® bonus points offer. Good for onboard credits, stateroom upgrades, discounts, cruises and more.
$99
16.74% to 24.74% variable
No matter where you're travelling, feel free to use your Asiana Visa Signature® credit card without incurring foreign transaction fees when making purchases.
$75
16.74% to 24.74% variable
Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from just $22) after you make $1,000 or more in purchases within the first 90 days of your account opening. There are no blackout dates.
$90
16.74% to 24.74% variable
Get 20,000 Flying Club bonus miles after your first purchase.
$0
14.74% to 24.74% variable
0% for the first 12 statement closing dates (then 14.74% to 24.74% variable)
1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
$0 annual fee for the first year ($59 thereafter)
14.74% to 24.74% variable
15,000 bonus miles after your first purchase-enough for up to 3 roundtrip off-peak award tickets with taxes and fees from $12 per award.
$0
16.74% to 24.74% variable
10,000 bonus WorldPoints® reward points offer. That's enough for $100 off your next cruise.
$59
16.74% to 24.74% variable
0% for the first 12 statement closing dates following the opening of your account (then 16.74% to 24.74% variable)
Earn 15,000 Bonus Points - equal to $150 off your next Allegiant trip, after you make $1,000 or more in purchases within the first 90 days
$0
14.74% to 24.74% variable
0% for the first 12 statement closing dates (then 14.74% to 24.74% variable)
Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
$0
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
Earn more cash back for the things you buy most.
$39
21.99% variable
Help establish, strengthen - even rebuild your credit
$0
16.74% to 24.74% variable
for the first 12 months (then 16.74% to 24.74% variable)
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
14.99% to 24.99% variable
for the first 12 statement closing dates (then 14.99% to 24.99% variable)
Online 200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
$79
16.74% to 24.74% variable
20,000 bonus points offer. That's enough points to redeem for a trip to many of our over 500 destinations.
$0
14.74% to 24.74% variable
0% for the first 12 statement closing dates (then 14.74% to 24.74% variable)
1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

Compare up to 4 providers

What to know before you apply

Apply for the World Wildlife Fund BankAmericard Cash Rewards Visa if you’re:

  • At least 18 years old.
  • A US citizen or permanent resident.

What credit score do I need?

The probability of your application’s approval increases if your credit score is 680 or higher.

How to apply for the World Wildlife Fund Credit Card

  1. Look for the World Wildlife Fund Credit Card on Bank of America’s site, and click Apply Now.
  2. Provide the required personal and financial information. Click Review your information.
  3. Make sure that your information is correct and submit your application.

How long will it take to be approved?

Bank of America uses an online conditional approval system, so you’ll typically get a response in as little as 60 seconds.

I got the card. Now what?

  • Keep track of your spending. Sign up with Bank of America’s online banking to monitor your account activity and to pay your credit card bill.
  • Avoid interest. You’ll start paying interest on all outstanding balances after your intro APR offer expires, and you’ll begin accumulating interest on cash advances immediately.
  • Avoid fees. You’ll pay fees of up to $38 for late and returned payments, as well as fees per balance transfers.
  • Customer service. For support, use BofA’s Ask Jenn online or call 800-732-9194. Connect with BofA on Facebook or on Twitter @BankofAmerica.

Bottom line

If you appreciate the World Wildlife Fund’s work toward wilderness protection and the reduction of humanity’s footprint on the environment, this rewards card could be ideal. You’ll contribute to a worthy cause and earn valuable cash back on gas, groceries and more.

Frequently asked questions

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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