Bank of America Cash Rewards Platinum Plus MasterCard Credit Card issued by Bank of America
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Bank of America Cash Rewards Credit Card, issued by FIA Card Services, N.A., is designed for those with good credit who want to receive cash back for their purchases. Through the reward program, cardholders earn a 1% rebate per dollar spent on all qualified purchases. For every $2,500 the cardholder spends, they will be eligible to receive a $25 statement credit, which they must claim by calling and requesting the rebate be credited to their account. There is no limit to the amount of rebates that may be earned, and any unclaimed rebates from qualified purchases will expire after five years. The card has no annual fee, a low introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a very low fixed interest rate once the introductory rate expires. It is important to understand that the APR for purchases and balance transfers will vary according to the applicant's credit history and will be either 9.9% or 15.99%. Therefore, those who will be able to take advantage of the reward program and the introductory rate will benefit most from what the Bank of America Cash Rewards Credit Card has to offer. Most Attractive Feature: Reward program; no annual fee. Least Attractive Feature: No extraordinary benefits or discounts offered to cardholders aside from the reward program. Apply Now For Bank of America Cash Rewards Platinum Plus MasterCard Credit Card Note: The review of this Bank of America card was updated on 07/10/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 12 Billing Cycles
Applied Towards:	Balance Transfers
Details:	The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	9.99% / 15.99%
Cash Advance APR:	19.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250
Over-the-Limit Fee:	$15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000
Cash Advance Fee:	3%, $10 minimum
Balance Transfers:	3%, $10 minimum

The Rewards Program Highlights
Optional Reward:	No
Rebate Minimum:	1%
Rebate Maximum:	1%
	For every $2,500 the cardholder spends, they are eligible to receive a $25 statement credit. Cardholders must call and request the rebate to receive it.
Expiration:	5 Years
First Purchase Bonus:	$50 Statement Credit**
	**Receive a $50 statement credit for any purchase, balance transfer, or cash advance totaling $25 within 45 days.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Fraud protection services. See website for additional benefits. Important Notes Regarding This Offer This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.