When you are carry on a monthly balance, having a low interest rate credit card can make a difference managing your finances because the low rates may assist you in paying down the balance in a more efficient and fast way.

However, before considering applying for a low interest rate credit card you should be aware that it is necessary to have a good credit history before you will qualify. You can get your credit report for free you can find out in advance where your credit history stands. This way you will know if it needs any type of repair before you apply for a low interest rate credit card.

Application for
Bank of America Efectiva Platinum Plus Visa

	CREDIT CARDS BY ISSUER
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	CREDIT CARD CATEGORY
	Business Canada Catalog Charge Poor Credit Pre-Paid Regular Secured Student UK

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	CARD SELECTIONS
	Low Interest Rates Low Intro Rates Top Rated No Annual Fee Variable Rates Fixed Rates Balance Transfer

Bank of America Efectiva Platinum Plus Visa

APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Balance Transfers): Intro Rate - 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: $25,000
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details

Customers earn 1 point for every $100 spent in net purchases up to $600 a year
Customer earns 5 bonus points with the first purchase
Customer earns 5 points for every $2,500 in net monthly balance transfers from non-Bank of Amrica accounts
Points don't expire for up to 5 years
Accounts must be in good standing in order to receive cash back

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions

Apply for Bank of America Efectiva Platinum Plus Visa

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