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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Bank of America Financial Rewards® Visa® Platinum Plus® | |||||
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Issuer:Card issued by FIA Card Services, NA. Credit requirement:Good credit required Card issued by FIA Card Services, NA. Earn points towards cash back Mini Card available 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) Earn 5 bonus points with your first purchase. Points do not expire for 5 years Online Banking Service Total Security Protection® No Annual Fee EARN POINTS FOR CASHBACK with the Financial Rewards® Visa® Platinum Plus® Key benefits * Earn 1 point for every $100 you spend in net purchases per billing cycle (up to 600 points per calendar year) * Receive 5 bonus points after your very first net retail purchase * Receive another 5 bonus points for every $2,500 in balance transfers per billing cycle (up to 25 per billing cycle) * Points don't expire for five years * When you redeem, one point equals one dollar * Receive your rewards in the form of a check written directly to you or a direct deposit made to your Bank of America checking or savings account Pricing * No annual fee * 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) * After your introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 5.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment * All payments you make will be applied to lower rate balances first * No balance transfer fees Platinum Plus benefits * Online Banking service*** * Total Security Protection®, our free package of security features, including zero liability from unauthorized card use*** * 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 Apply for Bank of America Financial Rewards Visa Platinum Plus |
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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