They might be a good deal for donors, but there still are a lot of questions to ask.

By Kimberly Seville

The DISCLOSURE SUMMARY insert with the details of the rate, fee and other cost information indicates, “To qualify for the free NWF membership ($15 value), make any combination of purchase, balance transfer, or cash advance transactions totaling at least $25 (exclusive of transaction fees which may apply). All transactions must occur by 1/30/08. After qualifying, Bank of America will send you a NWF membership renewal application to complete and forward to NWF for the free 12-month membership.”