Transfer your balances from your old, higher APR credit cards, such as Visa, or MasterCard! It's a smart way to consolidate and track your total debt and to gain control of your finances. Take advantage of a special low intro APR of Bank of America Efectiva^TM Platinum Plus^® Visa^®. To see if a great rate is available for you, or to see how much you can save, just scroll down! This is a balance transfer offer of Card issued by FIA Card Services, NA.
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Bank of America Efectiva^TM Platinum Plus^® Visa^®
Issuer: Card issued by FIA Card Services, NA.

APR: 0%

APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Balance Transfers): Intro Rate - 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: $25,000
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details

• Customers earn 1 point for every $100 spent in net purchases up to $600 a year
  
• Customer earns 5 bonus points with the first purchase
  
• Customer earns 5 points for every $2,500 in net monthly balance transfers from non-Bank of Amrica accounts
  
• Points don't expire for up to 5 years
  
• Accounts must be in good standing in order to receive cash back