 Bank of America EfectivaTM Platinum Plus® Visa®
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Intro APR: 0%
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Issuer: Card issued by FIA Card Services, NA.
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APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Balance Transfers): Intro Rate -0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: $25,000
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None
Reward Program Details
- Customers earn 1 point for every $100 spent in net purchases up to $600 a year
- Customer earns 5 bonus points with the first purchase
- Customer earns 5 points for every $2,500 in net monthly balance transfers from non-Bank of Amrica accounts
- Points don't expire for up to 5 years
- Accounts must be in good standing in order to receive cash back
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
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 Apply for Bank of America EfectivaTM Platinum Plus® Visa®
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- Transfer your balance to Bank of America Efectiva Platinum Plus Visa
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 .
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- 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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