Efectiva® Platinum Plus® Visa®
Card issued by Bank of America

Most Attractive Feature: 0% introductory rate; no annual fee; bonus points.

Apply online for this card or
read on for a full review of all the features.

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, cardhol_ders 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 cardhol_der receives a $25 check or a $25 credit to their Bank of America checking or savings account.

The card has a reason ably low interest rate for purchases (for a reward card), no annual fee, and a 0% introductory rate that can be applied toward balance transfers and cash advance checks for the first six billing cycles.

In addition to the cash back rebate, cardhol_ders 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.

Note: We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Last Updated April 30, 2008
*Terms and Conditions