Bank of America Platinum Plus® Visa® Card
Start Building a solid credit history!
Ongoing APR: Between Prime + 2.99% (Currently 7.49%) and Prime + 12.99% (Currently 17.49%)
Annual Fee: None
APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Balance Transfer Fee: 3% (minimum $10)
Cash Advance APR: Prime + 15.99% (Currently 20.49%)
Cash Advance Fee: 3%, $10 minimum
Late Fee: $15-$39
Overlimit Fee: $15-$39
Issuer: Bank of America
* See Terms and Conditions
BALANCE TRANSFERS: If the total amount you request exceeds your credit line, Bank of America may either send full or partial payment to your creditors in the order you provide them to Bank of America or they 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. Transfers are processed as cash advances as described in the Credit Card Agreement. Cash advances incur finance charges from the transaction date. Balance Transfers and Cash Advance Checks are subject to transaction fees in the amount of 3% of transfer (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 and/or Cash Advances Checks may not be used to pay off or pay down any account issued by FIA Card Services, N.A.
Value and pricing
- No annual fee
- 0% Introductory APR on purchases, for your first 12 billing cycles for all Balance Transfers, Check Cash Advances, and Direct Deposits.***
- After your introductory APR expires, you will receive a variable APR on purchases, balance transfers, and cash advance checks currently Prime + 2.99% for Platinum Plus® accounts or Prime + 12.99% for Preferred accounts. Please note that you will lose your introductory APR if you exceed your credit limit, close your account or are late with a payment.
- All payments you make will be applied to lower rate balances first
- Balance transfer fee, min $10, 3% of transfer
- Credit lines as high as $25,000
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 Terms and Conditions for other important disclosures referenced above.
Important Notations:
Card issued by FIA Card Services, NA. — See web site for complete terms & conditions of card usage and application disclosure.