 Bank of America EfectivaT VisaŽ®
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Intro APR: 0%
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Issuer: Bank of America
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Earn points toward cash back
From buying groceries to renting DVDs, each eligible purchase you make with your card earns you points you can redeem for cash back.
Points add up quickly
- Earn 1 point for every $100 in net monthly purchases
- Every point earned is $1 back to you (up to $600 annually on monthly purchases and balance transfers)
- Earn 5 bonus points with your first purchase
- Earn 5 points for every $2,500 in net monthly balance transfers from non-Bank of America accounts
- Points are good for four calendar years
- Rewards start at just 50 points (points are redeemed in increments of 50 with no annual cap on point redemption)
- Redeem your points online or call 1.800.632.4334
Reward options
- 50 points equal $50 cash back in the form of a check sent to you
- 50 points equal a $50 credit to your Bank of America checking or savings account
Efectiva™ Visa®
The credit card that pays you back in cash and provides bilingual services in Spanish and English.
Value and pricing
- No annual/program fee
- 0% introductory annual percentage rate (APR)1 for the first six billing cycles on all purchases and balance transfers
- No balance transfer fees
Key benefits
- Receive bilingual communication and services in Spanish and English
- Welcome anywhere Visa credit cards are accepted
- Cash access at more than 380,000 ATMs
- Total Security Protection® package
- Zero liability from unauthorized card use if you notify us promptly
- Auto rental insurance against collision or damage2
- Purchase Replacement will repair or replace your covered credit card purchases that are stolen, damaged or lost at a known location, within 90 days of purchase2
- Purchase Guard will double the manufacturer's original United States (U.S.) warranty period for your covered credit card purchases with a warranty duration of 1 year or less2
- Emergency medical and travel services2
- Additional cards at no extra charge
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 Detailed information about this credit card 2/2
 Apply for Bank of America EfectivaT VisaŽ®
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- Transfer your balance to Bank of America EfectivaT VisaŽ
Be alert for companies offering a great interest rate for transferring your balance to their card. Usually these rates are only in effect for a short time, often six months. At the end of this time, the rate can revert to a much higher permanent rate. Keep your eye on the Annual Percentage Rate (APR); this is the figure that counts in the long run. Balance transfer credit cards are .
- 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.
The best is the 0 APR of course.
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