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Bank of America »
Credit Card Reviews » Financial Rewards® Visa® Platinum Plus® |
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You don't have to get a second mortgage on your house in order to be able to afford a great cash reward program through a credit card. Many cash rebate cards make their users pay huge annual fees, effectively wiping any savings that you might have gotten from your rebate. But with the Financial Rewards® Visa® Platinum Plus® card, issued by FIA Card Services, N.A., you can spend your cash rebates on more important things. This card offers you access to a program with great earning potential, at no extra cost to you.
Many cash rewards program limit the amount of the rebates that their users can earn by designating specific categories that they can earn points from. With this credit card, it will be all earnings, all across the board. No matter what you're buying, or where you happen to be buying it, you will always be earning points toward your cash rebate.
For every $100 that you spend during the course of any given billing cycle, you will be awarded one point, and there's no tricky or deceptive point-valuing system here. Every point that you earn is equal to $1 that you have earned in rebates. Every time you earn 25 points or more, your points can be redeemed for cash back checks. They can also be deposited directly into your Bank of America checking or saving account, or you can apply them to a reduction in your purchase APR. Though there is a limit of $600 in annual rebates, that's a lot of earning just for making the purchases that you were going to make anyway.
For a reward card, this card offers a reasonable interest rate on purchases and balance transfers. It also offers an introductory rate of 0% on balance transfers for your first six billing cycles. Best of all, this card has absolutely no annual fee, so you know that your cash rebates are true savings.
This credit card offers its users a variety of different platinum benefits and services. You will receive online banking services, various forms of travel and emergency assistance, and auto rental insurance. For no extra charge, you will also receive cash advance checks, additional cards for the account, total security protection, purchase replacement and purchase guard. This card offers its users great rates and great benefits, with no fuss and no huge fees.
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0% Intro APR on Balance Transfers for 6 billing cycles
11.24% Regular Variable APR for Purchases
21.24% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* 0% Intro APR on balance transfers and cash advance for your first 6 billing cycles) |
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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: Point |
| Points per Dollar: 1.00 |
| Bonus Points First Purchase: 5 Points |
| Expiration: 5 Years |
| Yearly Limit: 600 Points |
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| Additional Features for Financial Rewards® Visa® Platinum Plus®: |
| See website for card benefits. |
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| Important Notes for Financial Rewards® Visa® Platinum Plus®: |
| See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on Financial Rewards® Visa® Platinum Plus® was updated on April 11, 2008. The review is believed to be accurate during the update, however, 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. |
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