National Arbor Day Foundation Platinum Plus MasterCard Credit Card with WorldPoints Rewards

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

17.74

17.74%

APR:

20.99% Variable

20.99% - 24.99% Variable

APR Floor:

None

Intro Rate:

0%

None

Intro Period:

12 statement closing dates

N/A

None

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

25 days

Default/Penalty APR:

Up to 29.99% Variable

Default/Penalty Margin:

26.74

Default/Penalty APR Floor:

None

Maximum Default APR:

29.99%

Penalty/Default Trigger:

This APR may be applied to new transactions on your account if you make a late payment.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

3%

Late Fee:

See Special Notes

Over-the-limit Fee:

$0 min.

Balance Transfer Fee:

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

Earn 1 point for every dollar spent on purchases, and redeem for cash, travel and discounts on hotel and car rentals, merchandise, gift cards or charitable donations. There’s no limit to how many points you can earn; redemptions start as low as 2,500 points.

Special Notes:

Cash Advance APRs: 20.99% APR for Direct Deposit and Check Cash Advances, and 24.99% APR for Bank Cash Advances. Cash Advance Fees: Direct Deposit and Check Cash Advances are either $10 or 4% of the amount of each transaction, whichever is greater; ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances are either $10 or 5% of the amount of each transaction, whichever is greater. Penalty Fees: If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $25 will be assessed; $35 for subsequent occurrences that are within 6 billing cycles of a previous occurrence. However, the Late Payment Fee will not exceed the total minimum payment that was due. If your balance is $100 or less on the Payment Due Date, card company will not assess a Late Payment Fee. The Returned Payment Fee will not exceed the total minimum payment that was due. Penalty APR: Up to 29.99%, based on your creditworthiness. The Penalty APR will not exceed 29.99% on new transactions. There is no Penalty APR on existing balances. A percentage of all purchases on this card is contributed back to the Arbor Day Foundation to help plant and care for trees.

Card Issued By:

Bank of America

General Correspondence Address:

PO Box 53132, Phoenix, AZ, 85072

Card Type:

MasterCard

Card Class:

Platinum

Card Category:

Airlines, Cash Back, Low Intro Rate, Reward, Travel

States Available In:

ALL