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VisaŽ Platinum issued by Bank of America, N.A. (USA)
APR (Purchases): Intro Rate - 0% for
first 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 first six billing cycles. Goto rate is a variable risk based rate between
Prime + 3.99% and P + 12.99%
Balance Transfer Fee: None when
Balance Transfer is requested at time of application; thereafter, 3% of each
advance (min. $10)
Annual Fee: None
Additional Cardholders: No Fee
Grace Period: 20 Days (Min.)
Late Payment Fee: Based on Account
balance on the fee assessment date - $15 for balances less than or equal to
$100, $29 for balances $100.01 to $250, $39 for balances greater than $250.
Over Credit Limit Fee: Based on the
highest Account balance during the Billing Cycle - $15 for balances less than or
equal to $500, $29 for balances $500.01 to $1000, $39 for balances greater than
$1000.
APR for Cash Advances: P + 15.99%
Variable
Cash Advance Fee: 3%, $10 minimum
Benefits
Online Banking service
Welcome anywhere Visa credit cards are accepted
Convenience checks at no extra charge
Additional cards at no extra charge
Bilingual (English/Spanish), Braille and large-print credit card
statements available upon request
Zero liability from unauthorized card use if you notify us promptly
Travel and emergency assistance
Automatic auto rental insurance
Purchase Replacement, which provides for repair or replacement for
covered purchases that are stolen, damaged or lost at a known location,
within 90 days of the date of purchase
Purchase Guard, which will double the manufacturer's original United
States (U.S.) warranty period for covered purchases with a warranty duration
of 1 year or less
Total Security Protection™, our free package of security features