Efectiva Platinum Plus Visa 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 Efectiva® Platinum Plus® Visa®, issued by FIA Card Services, N.A., is designed for those who plan to take advantage of the cash back reward program. Through the reward program, cardholders earn a 1% cash back rebate on all purchases made with the card with a yearly rebate limit of $600. Cardholders will earn one point for every $100 in net monthly purchases, five points for every $2,500 in net monthly balance transfers from non-FIA Card Services accounts, and five bonus points for the first purchase. For every 25 points that are earned, the cardholder receives a $25 check or a $25 credit to their Bank of America checking or savings account. The card has a reasonably low interest rate for purchases (for a reward card), no annual fee, and a 0% introductory rate that can be applied toward balance transfers and cash advance checks for the first six billing cycles. In addition to the cash back rebate, cardholders can expect platinum benefits including auto rental insurance, various travel and emergency assistance services, and purchase replacement. Therefore, those who wish to participate in the cash back reward program and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Efectiva® Platinum Plus® Visa® has to offer. Most Attractive Feature: 0% introductory rate; no annual fee; bonus points. Least Attractive Feature: Yearly limit on earned points. Apply Now For Efectiva Platinum Plus Visa Note: The review of this Bank of America card was updated on 04/30/2008 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 6 Billing Cycles
Applied Towards:	Balance Transfers
Details:	The introductory rate applies to the first six billing cycles. The introductory rate also applies to cash advance checks.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum) / $500 (Minimum)
Purchases APR:	APR Varies*
Cash Advance APR:	APR Varies*
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
Points Per Dollar:	1 Point**
Additional Points:	Customers earn 5 points for every $2,500 in net monthly balance transfers from non-FIA Card Services accounts.
	**Customers earn 1 point for every $100 spent in net monthly purchases. For every 25 points that are earned, the cardholder receives a $25 check or a $25 credit to their Bank of America checking or savings account.
Expiration:	Up To 5 Years (Points expire on the last day of the Billing Cycle that closes in December of the fourth calendar year following the year in which they were earned.)
Yearly Limit:	600 Points ($600 Cash Back)
First Purchase Bonus:	5 Points

Additional Highlights of Interest

Special Card Benefits and Features See website for card benefits. Important Notes Regarding This Offer See website for complete terms and conditions of card usage and application disclosure