EfectivaTM Visa® issued by Bank of America

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Card Category	Credit History	Available Rewards
Consumer	Excellent/Good	Miles Cash Points

About Card • No annual fee • Customer communications in Spanish and English • Total Security Protection • Various Internet account related services • Auto rental insurance • Various travel and emergency assistance services • Lost luggage recovery • No liability for unauthorized Internet transactions • Discounts on auto rentals • Optional Mini Card • Optional Purchase Guard

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Credit Card Rates

Purchases:			Balance Transfers:			Cash Advances:
Introductory APR:	0%		Introductory APR:	0%		Introductory APR:	none
Introductory Period:	6 months		Introductory Period:	6 months		Introductory Period:	none
Ongoing APR:	10.74%		Ongoing APR:	10.74%		Ongoing APR:	20.74%
Default APR:	29.49%		Default APR:	29.49%		Default APR:	29.49%
Minimum Grace Period:	20 days		Minimum Grace Period:	none		Minimum Grace Period:	none
Minimum Finance Charge:	$1.50		Minimum Finance Charge:	$1.50		Minimum Finance Charge:	$1.50

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Credit Card Transaction Fees

Balance Transfer Fees:			Cash Advance Fees:			Foreign Exchange Fees:
Minimum:	$10		Minimum:	$10		Minimum:	none
Fee Rate:	3%		Fee Rate:	3%		Fee Rate:	3%
Maximum:	none		Maximum:	none		Maximum:	none

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Credit Card Other Fees

Initial Fees:			Maintenance Fees:			Penalty Fees:
Setup Fee:	$0		Annual Fee:	$0		Late Payment Fee:	$15

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See website for other fees, rates, and terms and conditions



for EfectivaTM Visa®