| Rewards | 1 point per dollar on eligible net purchases On top of that, every month you get a 50% bonus on all points earned — effectively giving you 1.5 points per dollar spent. |
|---|---|
| Signup Bonus | N/A |
| Annual Fee | $50 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.24% (APR is subject to change) |
| Cash Advance Fee | Either 4% of the amount of each advance or $10 minimum, whichever is greater |
| Late Payment Fee | Up to $37 |
| Purchases APR | 12.49% to 23.49% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The Bank of Albuquerque Visa Bonus Rewards PLUS Credit Card stands out for its simple points system and the monthly 50% bonus on all rewards, effectively giving you 1.5 points per dollar spent. With a $50 annual fee, it’s not free, but many users say the boosted points make it worthwhile for consistent spenders.
Most cardholders appreciate how straightforward the rewards structure is. Many reviewers mentioned that points accumulate quickly on everyday purchases and can be redeemed for travel, gift cards, merchandise, or even cash back. People also like that there’s no cap on points, so long-term earners benefit from every purchase.
On the downside, some users complain about the annual fee eating into the value if they don’t spend enough, and a few noted that the redemption process can feel a bit clunky. Others mentioned that the card lacks premium perks like travel protections or airport lounge access, which are common on higher-tier rewards cards.
Personally, I think this card is a solid choice if you’re a moderate to heavy spender looking for a simple, no-hassle rewards program. It’s best for people who will use it regularly to make everyday purchases and want flexible redemption options. If you spend lightly or want luxury travel perks, there are better options out there.
For everyday purchases it works okay, but I found the bonus or rewards returns rather modest compared to what I hoped.
