EfectivaTM Visa® Platinum Plus®

Editor's Notes

Rebate Description Receive bilingual communication and services in Spanish and English. Earn 1 point for every $100 in net monthly purchases. Every point earned is $1 back to you (up to $600 annually on monthly purchases and balance transfers). Earn 5 bonus points with your first purchase. Earn 5 points for every $2,500 in net monthly balance transfers from non-FIA Card Services accounts. Points are good for four calendar years. Rewards start at just 25 points (points are redeemed in increments of 25 with no annual cap on point redemption). 25 points equal $25 cash back in the form of a check sent to you. 25 points equal a $25 credit to your Bank of America checking or savings account.

	Purchase	Balance Transfer	Cash Advance
Index:
Margin:
Standard APR:	9.99% - 19.99% Fixed	0% Fixed	24.24% Fixed
Standard APR Floor:
Introductory Rate:	0%	None
Introductory Period:

Finance Calculation Method:		Purchase Grace Period:
Default/Penalty APR:	27.24% Fixed	Default/Penalty Index:	27.24%
Default/Penalty APR Floor:		Default/Penalty Margin:	0
Maximum Default APR:
Penalty/Default Trigger:	Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.

Annual Fee:	$0 max.	Foreign Tranaction Fee:	3%
Late Fee:	0% ($15 min. - $39 max.)	Over-the-limit fee:	0% ( $0 max.)
Balance Transfer Fee:	0% ($3 min. )	Cash Advance Fee:	0% ($4 min. - $5 max.)

Card Details

Card Issued By:	Bank of America
Card Category:	Cash Back
Maximum Credit Line:	$0 max.
How to Apply:	Online Application Form - Click to Apply
General Correspondence Address:	PO Box 53132 Phoenix,AZ 85072