No annual fee credit cards Bank of America Efectiva Platinum Plus Visa
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Admit that: credit cards are still one of the best inventions ever! However, what's not so easy is finding a card with low APR, or no balance transfer fee and NO ANNUAL FEE at all! That's why we collected ALL the - U.S. - online available credit cards with absolutely NO ANNUAL FEE! Apply today!
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Bank of America EfectivaTM Platinum Plus® Visa®

APR (Purchases): Intro Rate - 0% for 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 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: $25,000
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details

  • Customers earn 1 point for every $100 spent in net purchases up to $600 a year
  • Customer earns 5 bonus points with the first purchase
  • Customer earns 5 points for every $2,500 in net monthly balance transfers from non-Bank of Amrica accounts
  • Points don't expire for up to 5 years
  • Accounts must be in good standing in order to receive cash back

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions



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Last Updated: 2008-04-30


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