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Balance Transfer to Bank of America Financial Rewards Visa Platinum Plus Bank of America Financial Rewards® Visa® Platinum Plus®


Bank of America Financial Rewards Visa Platinum Plus
Intro APR: 0%

 Issuer: Card issued by FIA Card Services, NA.
EARN POINTS FOR CASHBACK with the Financial Rewards® Visa® Platinum Plus® Key benefits * Earn 1 point for every $100 you spend in net purchases per billing cycle (up to 600 points per calendar year) * Receive 5 bonus points after your very first net retail purchase * Receive another 5 bonus points for every $2,500 in balance transfers per billing cycle (up to 25 per billing cycle) * Points don't expire for five years * When you redeem, one point equals one dollar * Receive your rewards in the form of a check written directly to you or a direct deposit made to your Bank of America checking or savings account Pricing * No annual fee * 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) * After your introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 5.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment * All payments you make will be applied to lower rate balances first * No balance transfer fees Platinum Plus benefits * Online Banking service*** * Total Security Protection®, our free package of security features, including zero liability from unauthorized card use*** * Travel and emergency assistance*** * Automatic auto rental insurance*** * Purchase Replacement*** * Purchase Guard*** * Cash advance checks at no extra charge*** * Additional cards at no extra charge




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Smart shopping for 0% APR credit cards can save consumers hundreds of dollars in interest charges. Many consumers do not think to shop around for credit cards. However, with 60 percent of grocery store purchases being made with credit cards, the decision as to which card the consumer uses can have an impact on how much is paid in interest. One way you can save money in interest charges is to shop around for a 0% APR credit card to transfer existing balances to. The concept of shopping for the best interest rates is not new for purchases such as homes and cars, but so few consumers stop to think about shopping around for the best credit card deal.

0% APR credit cards save consumers money

It is possible for you to save hundreds of dollars a year by transferring balances to a 0% APR credit card. Here is how it works: A consumer applies for a new credit card with a special introductory interest rate of 0% APR for balance transfers. After gaining approval, the consumer transfers the balance of his or her credit cards to the new card. Some companies may waive the balance transfer fee, but a standard fee is usually a small percentage of the transferred balance. Whether the old card has a low 8.9% APR, or whether it has a higher 15.9% APR, the potential savings are well worth the transfer. For the entire introductory period (usually 6 to 12 months) it is possible for consumers to avoid paying interest on their credit card debt.

Sorting through 0% APR credit card deals

Some web sites provide you with an objective way to look at credit card offers. It is even possible to use a calculator to figure out how much you can save by transferring balances to a 0% APR credit card. Consumers receive the information they need to help them decide on the credit card balance transfer offer that works best for them. Objective side-by-side comparisons allow a more complete picture of available credit cards. When you find a card you like, it is also possible to apply for that card instantly from the web site. Helpful links to the credit card companies allow you to receive instant approval on their credit cards.

A word of caution

A 0% APR credit card balance transfer is a financial tool that can greatly benefit consumers. However, as with all financial tools, it is important to use it wisely. Consumers should be aware that failure to pay at least the minimum payment on time can result in an immediate end to the introductory period. Many credit cards, however, provide an automatic debit system or an online bill pay option. This can help consumers set up automatic payments that ensure that there are no late payments.

Shopping around for the best bargain is a way of life for many. Applying that rule to credit card applications can mean that you get to keep more of your hard earned cash.

Copyright Ed Vegliante. Free online reprints of this article are allowed provided the resource box remains intact with a live link back to .


  • Transfer your balance to Bank of America Financial Rewards® Visa® Platinum Plus®

  • What constitute a good money management system? Think of a turning car carburetor is to get 2 things right: air flow and fuel mixture. Thus , a sound money management system ensures the flow of money and maximum capital preservation balances against the power of making profits!

    In stocks or options trading , your first priority is not to make money , but rather to preserve your capital , for whatever % of money you lose, you have to make a larger % to come back to that same level .Remember that we must always live another day to fight the war . You are not a good trader if we cannot stay in the game long enough.

    The next question is that what do we then mean by staying in the game? We ask ourselves the following:

    Firstly, it is important to calculate the worst scenario and ask if we can live with that risk

    Secondly, if the worst case scenario happens, will it wipe out our capital or severely limit our ability to trade? If the answer is yes, then we should reduce the numbers of shares or option contacts until the risk is livable.

    Thirdly, we must be able to define the difference an acceptable risk and an unacceptable one and finally, calculate the probable gain on the trade versus the risk and ask yourself if the trade is worthwhile.

    The money management commandment that I stick strictly is I shall not invest more than 5% of my money into any single trade. The beauty of the 5% rule is that it allows me to increase the size of each trade when I am doing well and forces me to cut back when I am doing poorly. Assume you have an investment capital of $10,000 and therefore have 20 games on hand .When the stock has an upward momentum, you want to ride it as long as possible and then take profits and cut loss immediately as soon as you realize you have a downward momentum, In this way, you probability of making big profits on a few good trades are good enough to keep you in overall net profitable position against a few bad trades through proper risk management. Professional traders observe this 5% rule all the time, then why should we not do the same?


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.