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"Comparisons and secure applications of the best credit card offers online." |
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Additional Details, Terms and Conditions | |
| Category | Reward - Other |
|---|---|
| Status | Platinum |
| Introductory Percentage Rate | 0.00 |
| Intro Applies To | Balance Transfers |
| Intro Details | The introductory rate is 0% for the first 15 billing cycles on balance transfers and cash advance checks. |
| APR for Purchases | 9.900 |
| Purchase Rate Type | Fixed |
| APR for Cash Advances | 20.990 |
| Cash Advance Rate Type | Fixed |
| Finance Charge Calculation | Average Daily Balance (including new purchases) |
| Annual Fee | $0 |
| Additional Annual Fees | $0 |
| Annual Fee Detail | None |
| Grace Period | 20 Days (Min.) |
| Late Payment Fee | $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250 |
| Over 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 |
| Minimum Balance Transfer | n/a |
| Maximum Balance Transfer | n/a |
| Type of Reward | Point |
| Optional Reward | No |
| Points Earned Per Dollar Spent | 1 Point |
| Additional Points | None |
| Point Details | Points are redeemable for cash, merchandise, travel with no blackout dates, dining certificates, and more. |
| Expiration | 5 Years |
| Yearly Limit | None |
| Bonus Approval | None |
| Bonus First Purchase | None |
| Bonus Balance Transfers | None |
| Bonus Annual | None |
| Bonus Other | None |
| Bonus Details | None |
| Additional Perks | See website for additional benefits. |
| Notations | 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. |
| Features / Benefits: | Earn 1 Point for Every Net Retail Purchase Dollar |
| 1 | Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates |
| 2 | No Annual Fee |
| 3 | Free 24/7 Concierge Service |
| 4 | Absolute Fraud Protection |
| 5 | Introductory 0% APR for Cash Advance Checks and Balance Transfers Through Your First 15 Billing Cycles |
| 6 | Card Issued by FIA Card Services, N.A. |
| Rating | 5.00 |
| Benefit Rating | 4.50 |
| Best Feature | No annual fee; access to reward program; very low fixed APR for purchases and balance transfers. |
| Worst Feature | No extraordinary benefits or discounts offered to cardholders aside from the reward program. |
| Review | The Bank of America WorldPoints® Platinum Plus® MasterCard® Credit Card, issued by FIA Card Services, N.A., is designed for those with very good credit who would like to take advantage of the reward program. Through the reward program, cardholders earn one point for every dollar spent on all qualifying purchases. Points are redeemable for cash, brand-name merchandise, travel with no blackout dates, dining certificates, and more. There is no limit to the number of points that may be earned per year, but any unused points will expire after five years. The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first 15 billing cycles, and a reasonably low fixed interest rate for those who qualify 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 15.99%. Aside from the reward program, cardholders can expect benefits such as fraud protection, a personal concierge service, and online account access. Therefore, those who will qualify for the lowest rate offered and will take advantage of the introductory rate and the reward program will benefit most from what the Bank of America WorldPoints® Platinum Plus® MasterCard® Credit Card has to offer. |
| Date of Data Update | 2008-10-31 00:00:00 |
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