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Credit Card Reviews » Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card |
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The Bank of America Cash Rewards Credit Card, issued by FIA Card Services, N.A., is designed for those with good credit who want to receive cash back for their purchases.
Through the reward program, cardholders earn a 1% rebate per dollar spent on all qualified purchases. For every $2,500 the cardholder spends, they will be eligible to receive a $25 statement credit, which they must claim by calling and requesting the rebate be credited to their account. There is no limit to the amount of rebates that may be earned, and any unclaimed rebates from qualified purchases will expire after five years.
The card has no annual fee, a low introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a very low fixed interest rate once the introductory rate expires. It is important to understand that the APR for purchases and balance transfers will vary according to the applicant's credit history and will be either 9.99% or 19.99%.
Therefore, those who will be able to take advantage of the reward program and the introductory rate will benefit most from what the Bank of America Cash Rewards Credit Card has to offer.
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0% Intro APR on Balance Transfers for 12 Billing Cycles
9.99% Regular Fixed APR for Purchases
19.99% Regular Fixed APR for Cash Advances |
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20 Days Grace Period |
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| (* The intro rate is 0% for the first 12 billing cycles on balance transfers and cash advance) |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| 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: 3%, $10 minimum |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 1% |
| Rebate Maximum: 1% |
| Expiration: 5 Years |
| Yearly Limit: None |
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| Additional Features for Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card: |
Various Internet account related services.
Fraud protection services.
See website for additional benefits. |
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| Important Notes for Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card: |
This card is issued by FIA Card Services, N.A.
The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%.
See website for complete terms and conditions of card usage and application disclosure. |
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| Home » Apply for a Credit Card » Cards by Category » Cash Back Credit Cards |
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| Notes: The review on Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card was updated on March 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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