Efectiva Visa issued by Bank of America, N.A. (USA)

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Efectiva™ Visa® issued by Bank of America, N.A. (USA)

No annual fee
0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 months
After your fixed introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 3.99%, 5.99%, 9.99% or 12.99%. Please note that you will lose your introductory rate if you exceed your credit limit, close your account or are late with a payment.
All payments you make will be applied to the lowest APR balances first
No fees on introductory balance transfers
Earn 1 point for every $100 in net monthly purchases
Every point earned is $1 back to you (up to $600 annually on monthly purchases and balance transfers)
Earn 5 bonus points with your first purchase
Earn 5 points for every $2,500 in net monthly balance transfers from non-Bank of America accounts
Points are good for four calendar years
Rewards start at just 25 points (points are redeemed in increments of 25 with no annual cap on point redemption)
25 points equal $25 cash back in the form of a check sent to you
25 points equal a $25 credit to your Bank of America checking or savings account
Receive bilingual communication and services in Spanish and English

Redeem your points online or call

Online Banking service
Total Security Protection^®, our free package of security features, including zero liability from unauthorized card use if you notify us promptly
Travel and emergency assistance
Automatic auto rental insurance
Purchase Replacement
Purchase Guard
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