Bank of America WorldPoints™ Platinum Plus® Card

The WorldPoints credit card gives you a world of choice.

Ongoing APR: Between 9.99% and 19.99%
Annual Fee: None
APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Balance Transfer Fee: 3% (minimum $10)
Cash Advance APR: 19.99%
Cash Advance Fee: 3%, $10 minimum
Reward Program: WorldPoints
Late Fee: $15-$39
Overlimit Fee: $15-$39
Issuer: Bank of America

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Bank of America WorldPoints™ Platinum Plus™ MasterCard® Credit Card: A flexible and unique rewards program that puts you first. Select from cash rewards, travel, merchandise or personal services that are yours for the picking.

Rewards Points at Every Turn

Earn 1 point for every $1 in net retail purchases*

• 5,000
  Points = $25 cash
  
• 12,000
  Points = $100 Old Navy Gift Card
  
• 25,000
  Points = Round-trip airline ticket within the 48 continental U.S. states.
  

Key Benefits:

• Earn 1 point for every $1 in net retail purchases*
  
• Redeem your Points for travel, merchandise, gift certificates, and cash rewards
  
• Redemption levels start at just 2,500 points
  
• Ultimate Access^SM, redeem your Points for unprecedented event access, tailor-made experiences & adventures, access to sports and entertainment personalities, and exclusive memorabilia & designer items
  
• Access to the MyConcierge^SMservice, a unique free personal assistance service
  
• Online access and 24-hour service
  
• Absolute fraud protection
  

Pricing:

• No annual fee
  
• Introductory 0% Annual Percentage Rate (APR)** for Cash Advance Checks and Balance Transfers through your first twelve billing cycles* (subject to a 3% transaction fee, no less than $10).
  
• After your introductory rate expires, the Standard APR is 9.99% for Platinum Plus accounts, or 15.99% for Preferred accounts. The Introductory APR may end sooner if your payment is late or the account balance is over the credit limit.
  
• If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs
  
• The Introductory APR is effective upon the opening of your account and does not apply to Purchases, or to Bank and ATM Cash Advances.
  
• Transaction fee for Balance Transfers and Cash Advance Checks is 3% of each such cash advance (minimum $10).
  

BALANCE TRANSFERS:

If the total amount you request exceeds your credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Cash Advance Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur finance charges from the transaction date. Balance Transfers are subject to transaction fees in the amount of 3% of the transaction (minimum $10). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A.


*WorldPoints: Earn 1 point per dollar of new net retail purchases charged to your credit card with WorldPoints. Balance transfers, cash advances including purchases of money orders or other cash equivalents, out-of-network payments made through the Bill Pay Choice™ service, purchases made by or for a business or for a business purpose, fees, finance charges and unauthorized/fraudulent transactions do not earn points. Points have no cash value except as described in connection with cash rewards, may not be used to pay any credit card balance, and are valid for 5 years. TRAVEL REWARDS have point and corresponding maximum dollar value ("MDV") requirements. Miscellaneous costs not included. Rewards subject to availability. Air. Points and MDV needed to travel within the 48 continental states (including Washington, D.C.): 25,000/$400; 48 states to Canada, Mexico, or PR: 35,000/$600; 48 states to AK, HI, or Caribbean: 45,000/$600; 48 states to Europe: 60,000/$800; 48 states to Central or South America, Asia, Africa, or the South Pacific: 85,000/$1,150: the respective Point and MDV values also apply should travel begin in AK, HI, or PR and end within the 48 states or D.C. MDV includes all taxes and destination fees except the September 11th Security Fee. First- and business-class rewards available upon request. Unless redeeming for first- or business-class fare, ticket will be lowest coach class fare available through the WorldPoints redemption center. Special air arrangements require payment of additional points and processing fee. Additional terms apply. Car. Rent any car for any number of days with pickup and return to the same rental location within the U.S. For every 5,000 points you redeem for an eligible car rental, you receive a ($50) credit toward the rental cost. 5,000 Points = $50 MDV. 7-day advance reservations required and arrangements subject to availability. Credit, age, and driver requirements apply. Miscellaneous costs are your responsibility. Additional terms apply. Hotel. For every 5,000 points you redeem, you receive a ($50) credit toward the nightly cost of the accommodations. 5,000 Points = $50 MDV. 7-day advance reservations required and accommodations subject to availability. No minimum stay required. Miscellaneous costs are your responsibility. Additional terms apply. MERCHANDISE AND GIFT CERTIFICATE REWARDS. Online merchandise catalog has widest selection; abridged pamphlet mailed upon request. Featured items may not reflect actual rewards. Goods of equal or similar value may be substituted if reward is unavailable. Rewards shipped prepaid. CASH REWARDS available online or by telephone. Cash reward check values and required Points: $12.50/2,500; $25/5,000; $37.50/7,500; $80/10,000; $120/15,000; $160/20,000; $250/25,000; $350/35,000 and $500/50,000. Check issued upon request of Customer, made payable as described in complete Rules, and mailed within 14 business days of request. Check expires 90 days after date of issue. No yearly limit: to qualify, account must have active charging privileges. Unless authorized by us, points and rewards may not be combined with discounts or other programs, including airline or credit card programs, in the U.S. or abroad. Independent third parties manage, the Merchandise and Gift Card/Certificate Rewards portion of the Program. An independent third party travel agency, registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (6011237430) and other states, as required, manages the Travel portion of the Program. The Cash Rewards portion of the Program is managed by FIA Card Services, N.A. The MyConcierge Rewards portion of the Program is managed by Les Concierges, Inc. We are not responsible for errors and/or omissions in any Program document. Program terms may change. Program void where prohibited by law. For more information, visit www.bankofamerica.com/worldpoints. Details accompany new account materials. All cardholders receive WorldPoints benefits. The WorldPoints program is managed in part by independent third parties, including a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87892086); Washington (6011237430) and other states, as required.

**Each time your minimum payment is late (i.e., not received by 5 p.m., ET, on its Payment Due Date), or the account balance is over the credit limit, we may increase each of your account's Standard APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances.
If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. This means that balances with higher APRs are not reduced until balances with lower APRs have been paid off.
The Introductory APR does not apply to Purchases, Bank and ATM Cash Advances, or online Direct Deposits. When a Promotional Period ends, the Standard (non-introductory) APR for your account is applied to new and outstanding balances (consisting of Balance Transfers, non-online Direct Deposits, and Check Cash Advances). If your payment is late or the account balance is over the credit limit, either the Standard APR or the Default APR will be applied to those balances as of the first day of the billing cycle in which the payment was late or the balance exceeded the credit limit. We reserve the right to change the Standard APRs and the Default APR on your account. REMINDER: To preserve the grace period for new purchases, pay your New Balance Total in full and on time. The 0% APR does not apply to Purchases.

Card issued by FIA Card Services, NA.

* See website for complete terms and conditions of card usage and application disclosure.

**Certain restrictions apply to each benefit. Details accompany new account materials. Preferred card benefits differ from Platinum Plus benefits (i.e., coverage amounts vary and some benefits are not available).