Bank of America® Cash Rewards Platinum Plus® MasterCard® Credit Card

Card issued by FIA Card Services, NA Earn 1% cash back on all of your purchases§ No limit to how much cash back you can earn§ Introductory 0%† APR for Balance Transfers* and Direct Deposits through your first 15 billing cycles. CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers & Direct Deposits* 15 months * 9.99% / 19.99%* None* Yes* Good Credit*

Review: Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card

Type of credit needed: Good Credit

Type of card: Reward/Cash Back

Issued by: FIA Card Services, NA

Overview: The Bank of America Cash Rewards Platinum Plus MasterCard Credit Card offers cardholders the chance to participate in an uncomplicated cash rebate program. A small rebate is awarded for each purchase. Once a certain amount of rebates are earned, the cash will be credited to the cardholder’s account. However, this is not done automatically, and the individual must call the company to request this. Although there is no limit on the number of rebates that can be earned, any unclaimed ones expire after five years. There is no annual fee, and an attractive introductory APR. In addition, the APR after the introductory term expires is very reasonable, although those with good credit histories will get preferable rates. For those searching for a straightforward way to receive a small rebate on their purchases, The Bank of America Cash Rewards Platinum Plus MasterCard Credit Card will likely meet their needs.

Pro and cons of the card:

Pros:

• Low introductory APR
• No annual fee
• Receive rebates for every purchase
• Claim an unlimited number of rebates
• Reasonable APR after introductory term expires

Cons:

• Unclaimed rebates expire after five years
• Variable APR depending on credit history
• Rebates can only be claimed by calling the credit card company
• Rebate is very modest

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Bankofamerica.com/mynewcard (www.bankofamerica.com/mynewcard) credit card application for details about terms and conditions and offers.