Bank of America WorldPoints Platinum Plus Visa Card
issued by Bank of America |
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Apply online for this card or
read on for a full review of all the features.
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 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 WorldPoints™ Platinum Plus® Visa® Card, issued by FIA Card Services, N.A., is designed for those with good credit who would like to take advantage of the reward program.
Through the reward program, cardholders earn one point for every dollar spent on all qualifying purchases. Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, dining certificates, and more. There is no limit to the number of points that may be earned per year, but any unused points do expire within five years.
The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a very low fixed interest rate for those who qualify 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 9.99% or 15.99%.
Aside from the reward program, cardholders can expect benefits such as fraud protection, a personal concierge service, and online account access.
Therefore, those who will qualify for the lowest rate offered and will take advantage of the introductory rate and the reward program will benefit most from what the Bank of America WorldPoints™ Platinum Plus® Visa® Card has to offer.
Most Attractive Feature: No annual fee; access to reward program; very low fixed APR for purchases and balance transfers.
Least Attractive Feature: No extraordinary benefits or discounts offered to cardholders aside from the reward program.
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Note: The review of this Bank of America card was updated on 04/28/2008 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
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| 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 |
| Points Per Dollar: | 1 Point |
| | Points are redeemable for cash, merchandise, travel with no blackout dates, dining certificates, and more. |
| Expiration: | 5 Years |
| Additional Highlights of Interest |
Special Card Benefits and Features
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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 9.99% or 15.99%.
See website for complete terms and conditions of card usage and application disclosure. |
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