Financial Rewards® Visa® Platinum Plus® Card

• Get a 0.00% APR for 6 months on balance transfers!
• No annual fee.
• Earn 1 point for every $100 spent on purchases. Every point equals $1
  when redeemed. Earn up to $600 per calendar year!

General Card Information: Issued By:  Bank of America Rating: Categories:  0% Interest Cards  Instant Credit Cards  Reward Credit Cards  Cash Rebate Cards Credit Type:  Good / Excellent Positives: + Relatively Low APR + 0% Introductory Rate + Earn Reward Points Negatives: - Short Intro Period - Yearly Reward Limit

Credit card review:

Consumers with very good to excellent credit will find the Bank of America Financial Rewards Card an attractive offer. With a 0% intro APR, cash back and relatively low interest rate - it's a great option for anyone looking for a basic reward credit card.

The Bank of America Financial Rewards Card offers a unique rewards program - different from most reward cards. Earn 1 point for every $100 spent per billing cycle. Each point equals $1 - which equates to 1% cash back. The card has an annual limit of 600 points equaling $600 and points won't expire for five years.

Points are redeemable in 25-point increments with a minimum of 25 points to request your cash back. Choose to receive your reward in the form of a check, a statement credit to your Financial Rewards Visa Platinum Plus Card or a direct deposit to your Bank of America checking or savings account.

You'll also receive additional Platinum features and benefits associated with most Bank of America credit cards such as online banking, travel and emergency assistance, auto rental insurance and Total Security Protection®. Open a free MyAccess Checking® account with no minimum balance and no monthly maintenance fee.

Features summary:

- 0% intro APR (see details above)
- Low ongoing interest rate (see details above)
- Earn 1 point for every $100 in monthly purchases: 1 point = $1
- Redeem points in increments of 25 (25 points = $25)
- 5 year expiration on points
- Earn up to 600 points annually
- No annual fee
- My Portfolio®, Bank of America's free financial management tool
- Download your account transactions to Quicken® or Microsoft Money®
- Total Security Protection®, free package of security features
- Zero liability from unauthorized card use
- Travel and emergency assistance
- Automatic auto rental insurance
- Purchase replacement
- Purchase Guard
- Additional cards at no extra charge
- Guaranteed credit for unauthorized transactions
- Fraud monitoring