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Efectiva™ Visa® issued by Bank of America, N.A. (USA)
Value and pricing
- 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
Platinum benefits
- 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