Rates and Fees for BankAmericard Cash Rewards℠ Visa Platinum Plus® Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

prime

Margin:

9.74 - 19.74

19.74 - 21.74

APR:

12.99% - 22.99% Variable

22.99% - 24.99% Variable

APR Floor:

None

Intro Rate:

0%

N/A

Intro Period:

12 statment closing dates

12 statement closing dates

n/a

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

25 days

Default/Penalty APR:

Up to 29.99% Variable

Default/Penalty Margin:

Up to 26.74

Default/Penalty APR Floor:

Maximum Default APR:

29.99% Variable

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:

None

Foreign Transaction Fee:

3%

Late Fee:

Up to - $35 max. (See Special Notes)

Over-the-limit Fee:

$0 min.

Balance Transfer Fee:

3% ($10 min. )

Cash Advance Fee:

3% ($10 min. ) (See Special Notes)

Notes:

Rebate Description:

1% cash back on every purchase, 2% on groceries, and 3% on gas. Get a $50 cash back bonus after you make $100 in purchases within 60 days of account opening.

Special Notes:

Introductory APR for your first 12 billing cycles only for purchases and for any balance transfers made within 60 days of opening your account. 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.

Card Issued By:

Bank of America

General Correspondence Address:

PO Box 53132, Phoenix, AZ, 85072

Card Type:

Visa

Card Class:

Platinum

Card Category:

Balance Transfer, Cash Back, Low Intro Rate, Reward

States Available In:

ALL