Brighter Planet Visa Credit 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 Brighter Planet™ Visa® Credit Card, issued by FIA Card Services, N.A., is designed for those with very good credit who would like to support an organization dedicated to monitoring and protecting the environment and will take advantage of the EarthSmart™ reward program. Through the reward program, cardholders earn one EarthSmart™ point for every dollar spent on all purchases. Points are automatically redeemed to help fund renewable energy projects. Cardholders will also receive 1,000 EarthSmart™ bonus points after their first qualifying purchase and 1,000 EarthSmart™ bonus points when they choose paperless billing. Essentially, every 1,000 points cardholders earn will fund an estimated 1 ton of carbon offsets. In addition, for every two points earned through December 2008, Bank of America will make a matching contribution of one additional point. Aside from the reward program, cardholders can expect benefits such as fraud protection and online account access. Cardholders may also create a profile on the Brighter Planet website, which can be used to track their impact on the enviroment. The card has no annual fee and the fixed interest rate for purchases is reasonably low (for those who qualify). There is also a 0% introductory rate that can be applied towards balance transfers and cash advance checks for the first twelve months. Therefore, those who may occasionally carry a balance, plan to take advantage of the reward program, and would like to support improving the environment will find the Brighter Planet™ Visa® Credit Card a suitable option. Most Attractive Feature: No annual fee; reward program; 0% introductory rate. Least Attractive Feature: No extraordinary benefits or discounts offered to cardholders aside from the reward program. Apply Now For Brighter Planet Visa Credit Card Note: The review of this Bank of America card was updated on 10/02/2008 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 12 Billing Cycles
Applied Towards:	Balance Transfers
Details:	The introductory rate is also available for cash advance checks.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	9.99% / 15.99%
Cash Advance APR:	24.99%
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 of $100 through $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 Point
Additional Points:	Cardholders will earn one additional point for every two points earned through December 2008.
	Points are redeemable monthly to help fund renewable energy projects.
Expiration:	n/a
First Purchase Bonus:	1,000 EarthSmart Points**
Other Bonus:	1,000 EarthSmart Points***
	**Cardholders will receive 1,000 EarthSmart bonus points after their first qualifying purchase and 1,000 EarthSmart bonus points when enrolled to receive paperless statements.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Access to Mini Card service. Fraud protection. See website for additional benefits. Important Notes Regarding This Offer 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.