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Issued by Bank of America Categories: Reward - Cash
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Overall Rating
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The Efectiva™ Platinum Plus® Visa®, issued by FIA Card Services, N.A., is designed for those who plan to take advantage of the cash back reward program. Through the reward program, cardholders earn a 1% cash back rebate on all purchases made with the card with a yearly rebate limit of $600. Cardholders will earn one point for every $100 in net monthly purchases, five points for every $2,500 in net monthly balance transfers from non-FIA Card Services accounts, and five bonus points for the first purchase. For every 25 points that are earned, the cardholder receives a $25 check or a $25 credit to their Bank of America checking or savings account. The card has a reasonably low interest rate for purchases (for a reward card), no annual fee, and a 0% introductory rate that can be applied toward purchases, balance transfers, and cash advance checks for the first six billing cycles. In addition to the cash back rebate, cardholders can expect platinum benefits including auto rental insurance, various travel and emergency assistance services, and purchase replacement. Therefore, those who wish to participate in the cash back reward program and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Efectiva™ Platinum Plus® Visa® has to offer.
Most Attractive Feature(s): 0% introductory rate; no annual fee; bonus points.
Least Attractive Feature(s): Yearly limit on earned points.
Additional Perks
See website for card benefits.
Rates & Fees
- Introductory Rate: 0% APR for 6 Billing Cycles
- Introductory Rate Details: The introductory rate applies to the first six billing cycles. The introductory rate also applies to cash advance checks.
- Grace Period: 20 Days (Min.)
- Applied Towards: Purchases, Balance Transfers
- APR (Purchases) %: APR Varies*
- APR (Cash Advances) %: APR Varies*
- Finance Configuration: Average Daily Balance (including new purchases)
- Annual Fee: $0
- Additional Cardholders: $0
- Application Fee:
- Minimum Credit Limit: $500
- Maximum Credit Limit: n/a
- Late Payment Fee: $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250
- Over-The-Limit Fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000
- Cash Advance Fee: 3%, $10 minimum
- Balance Transfer Fee: No fees on balance transfers requested during application; 3%, $10 minimum thereafter
- Important Notations: See website for complete terms and conditions of card usage and application disclosure
* See the online credit card applications for details about Terms and Conditions of offer.
Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.
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- No Annual Fee for the First Year - $125 Thereafter
- Earn 10,000 Membership Rewards® Bonus Points After Your First Purchase with the Card - Redeemable for a $100 Gift Card
- No Pre-Set Spending Limit
- The Membership Rewards Program® - Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend. You can Redeem Points for Your Choice of Truly Exceptional Travel, Shopping, and Entertainment Rewards
- Gold Card Events - Exclusive Access to Tickets for Select Concerts, Shows, Major Sporting Events, and More in Cities Nationwide
- Global Assist® Plus Hotline and Many More Benefits Included
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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Not Available |
$125** |
No Introductory Rate Available |
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- No Annual Fee for the First Year - $95 Thereafter
- Earn 5,000 Membership Rewards® Bonus Points After Your First Purchase With the Card -- Redeemable for a $50 Gift Card
- The Membership Rewards® Program also Lets You Transfer Points to 11 Frequent Flyer Programs: 1 Point = 1 Frequent Flyer Mile or Frequent Guest Credit for Most Programs
- Purchase Protection Plan Protects Eligible Purchases Made with the Card Against Accidental Damage and Theft for up to 90 Days from the Date of Purchase
- Many Other Travel and Shopping Benefits
- No Pre-Set Spending Limit
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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$95** |
No Introductory Rate Available |
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