Total Rewards Platinum Plus 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 Total Rewards® Credit Card, issued by FIA Card Services, N.A., is designed for those with good credit who frequently visit Harrah's casinos and want to earn additional reward credits through their everyday purchases. Through the reward program, cardholders earn one reward credit point for every dollar they spend on the card, which can be combined with reward credit points that the cardholder earns through their gaming play at any Harrah's Operating Company casinos. Cardholders also earn an additional 2,500 Reward Credit points after their first purchase. Reward credit points are redeemable for show tickets, gourmet meals, exclusive vacations, and more. Reward credit points will not expire as long as one reward credit point is earned at least once every six months; however, cardholders can earn up to 40,000 reward credit points per billing cycle. 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 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 frequently visit Harrah's casinos, would like to participate in the reward program, and will take advantage of the introductory rate will benefit most from what the Total Rewards® Credit Card has to offer. Most Attractive Feature: Very low fixed APR for purchases and balance transfers for those who qualify; 0% introductory offer; access to reward program; no annual fee. Least Attractive Feature: No extraordinary benefits or discounts offered to cardholders aside from the reward program. Apply Now For Total Rewards Platinum Plus Credit Card Note: The review of this Bank of America card was updated on 05/02/2008 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
Points Per Dollar:	1 Point
Additional Points:	Additional Reward Credit points can be earned through gaming play at any Harrah's Operating Company casinos.
	Reward Credit points are redeemable for show tickets, gourmet meals, exclusive vacations, and more.
Expiration:	None (Reward Credit points will not expire as long as one Reward Credit point is earned at least once every six months.)
Yearly Limit:	480,000 Reward Credit Points (40,000 points per billing cycle)
First Purchase Bonus:	2,500 Reward Credit Points

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related 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 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.