I'll add one more thing -- I got the card, activated, tried to buy AA flights and a book an airbnb and both were declined. I spent almost an hour on the phone with BoA this morning and they told me they've placed a fraud hold on all new accounts in recent months because of an increase in fraudulent account openings. They said sometimes they have to send customers to a branch with ID to get that lifted, but in my case they were able to clear it up over the phone. I get the whole fraud thing, but this was a PIA.