Financial Rewards Visa Platinum Plus Card issued by Bank of America
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Financial Rewards® Visa® Platinum Plus®, issued by FIA Card Services, N.A., is designed for those with very good credit who plan to take advantage of the cash back reward program. Through the reward program, cardholders earn one point for every $100 in net purchases per billing cycle. Cardholders receive five bonus points after their first purchase, and they receive another five points for every $2,500 in balance transfers per billing cycle (up to 25 points per billing cycle). One point is equal to $1 in rebates, and cardholders can earn up to 600 points per calendar year. Points are redeemable in 25-point increments (minimum 25 points) and can be redeemed for cash back checks, direct deposits made to the cardholder's Bank of America checking or savings account, or reductions in the cardholder's purchase APR. The rate for purchases and balance transfers is reasonable for a reward card, and there is a 0% introductory offer that applies to balance transfers and cash advance checks for six billing cycles. This card also has no annual fee. Aside from the reward program, cardholders can expect common benefits such as online banking services and Total Security Protection®. Therefore, those who plan to take advantage of the introductory offer, the reward program, and the various benefits may find the Financial Rewards® Visa® Platinum Plus® to be a suitable option. Most Attractive Feature: No annual fee; reasonable APR on purchases. Least Attractive Feature: Limit on amount of cash rebates that can be earned each year. Apply Now For Financial Rewards Visa Platinum Plus Card Note: The review of this Bank of America card was updated on 08/19/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 6 Billing Cycles
Applied Towards:	Balance Transfers
Details:	The introductory rate applies to the first six billing cycles. The introductory rate also applies to cash advance checks.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	As low as Prime + 5.99
Cash Advance APR:	20.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. 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 Transfers:	3%, $10 minimum

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1/100 Point**
Additional Points:	Earn 5 points for each $2,500 in balances transferred per billing cycle (up to 25 points per billing cycle).
	**Earn 1 point for every $100 in net purchases per billing cycle. One point is equal to $1 in rebates. Points are redeemable in 25-point increments (minimum 25 points) and can be redeemed for cash back checks, direct deposits made to the cardholder's Bank of America checking or savings account, or reductions in the cardholder's purchase APR.
Expiration:	5 Years
Yearly Limit:	600 Points
First Purchase Bonus:	5 Points

Additional Highlights of Interest

Special Card Benefits and Features See website for card benefits. Important Notes Regarding This Offer See website for complete terms and conditions of card usage and application disclosure.