Credit Card Details

The Efectiva™ Platinum Plus® Visa®, issued by FIA Card Services, N.A., is designed for those who plan to take advantage of the cash back reward program. Through the reward program, cardholders earn a 1% cash back rebate on all purchases made with the card with a yearly rebate limit of $600. Cardholders will earn one point for every $100 in net monthly purchases, five points for every $2,500 in net monthly balance transfers from non-FIA Card Services accounts, and five bonus points for the first purchase. For every 25 points that are earned, the cardholder receives a $25 check or a $25 credit to their Bank of America checking or savings account. The card has a reasonably low interest rate for purchases (for a reward card), no annual fee, and a 0% introductory rate that can be applied toward purchases, balance transfers, and cash advance checks for the first six billing cycles. In addition to the cash back rebate, cardholders can expect platinum benefits including auto rental insurance, various travel and emergency assistance services, and purchase replacement. Therefore, those who wish to participate in the cash back reward program and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Efectiva™ Platinum Plus® Visa® has to offer.

Most Attractive Feature(s): 0% introductory rate; no annual fee; bonus points.
Least Attractive Feature(s): Yearly limit on earned points.

Additional Perks

See website for card benefits.

Rates & Fees