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Efectiva™ Platinum Plus® Visa®
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Annual Fee: None
APR for Balance Transfers: 0.00% (for six billing cycles)
Balance Transfer Fee: 3% (minimum $10)
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Reward Program: Cash Back Points
Late Fee: $15-$39
Overlimit Fee: $15-$39
Issuer: Bank of America
* See Terms and Conditions
Efectiva™ Platinum Plus® Visa® card offers consumers points for cash back on purchases. This card has a low intro APR, no annual fee and allows balance transfers. This offer is for consumers with fair to excellent credit.
Efectiva™ Platinum Plus® Visa® Value and pricing
- No annual fee
- 0% Introductory APR on balance transfers and cash advance checks for your first 6 billing cycles*
- After your fixed introductory rate expires, you will receive a variable APR on purchases, balance transfers, and cash advance checks currently Prime + 5.99%. Please note that you will lose your introductory rate if you exceed your credit limit, close your account or are late with a payment.
- All payments you make will be applied to the lowest APR balances first
- 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
- Redeem your points online or call 1.800.632.4334
Platinum Plus Benefits
- Online Banking service*
- Total Security Protection®, our free package of security features, including zero liability from unauthorized card use if you notify us promptly*
- Travel and emergency assistance
- Automatic auto rental insurance*
- Purchase Replacement*
- Purchase Guard*
- Cash advance checks at no extra charge*
- Additional cards at no extra charge
*See website for additional benefits and for more details.
Program Rules for the Efectiva™ Platinum Plus® Visa®Credit Card:
- You will earn one Point for every one hundred dollars of net new monthly Purchases. Points will not be earned for Cash Advances or Promotional Balances. We may, at our discretion, include or exclude certain types of transactions from Point earnings at any time. Purchase credits issued by a merchant or by us will reduce your available Points. Points earned for charges you refuse to pay will be reversed.
- You can earn up to 600 Points each calendar year based on your monthly net purchases and balance transfers.
- When you transfer balances of $2,500 or more, you will earn 5 Points for every two thousand five hundred dollars transferred to your Bank of America Efectiva card per billing cycle. This applies to balances transferred at your contracted rate from non-Bank of America credit cards.
- Your monthly Bank of America Efectiva card statement will show your Point earnings, Point redemptions and new Point balance.
- Points from one account at Bank of America may not be combined with Points from or transferred to another account at Bank of America.
- Efectiva Points may be redeemed by calling the Efectiva redemption center at 1.800.632.4334, Monday to Sunday, 7:00 a.m. to 7:00 p.m., CST. Redemptions can also be made online at www.bankofamerica.com/efectiva .
- You are not eligible to earn or redeem Points if: 1)You are in default of your Cardholder Agreement (e.g., if you do not make your Minimum Payment by the Payment Due Date); or 2)Your account is closed by you or Bank of America.
- When we receive your Reward requ est, we will review your Account to verify that your Point earnings are valid and that you have sufficient Points to receive the Reward. If a credit or other adjustment results in insufficient points for a Reward, we may not fulfill the Reward request. If the Reward request is fulfilled and we later discover that you did not have sufficient Points for that Reward, you will forfeit future Point earnings until you accrue sufficient Points.
- Purchases made for business purposes with your Bank of America Efectiva Visa credit card ("Account") are not eligible to earn points.
- We have the right to suspend or terminate this program at any time. We also have the right to add, eliminate or modify a specific award or modify the Point and redemption structure.
- If you change or cancel a Reward you have requested, the Reward and redeemed Points may be forfeited.
- Expired Reward checks will not be replaced and Points will not be reinstated.
- Unredeemed Points have no cash or other value and cannot be transferred. Points do not constitute your property.
- Points are redeemed in increments of 25 (minimum 25 Points). There is no annual cap on Point redemption.
- Points earned in a calendar year will expire on December 31st of the fourth calendar year following the year during which the Points were earned. For example, Points earned in 2005 will expire on December 31, 2009.
- Other terms and conditions may apply as stated in the Reward Brochure.
Important Notations:
Card issued by FIA Card Services, NA. — See web site for complete terms & conditions of card usage and application disclosure.
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