EfectivaTM Visa®

issued by Bank of America

This article may help you to apply:

Credit Card Rewards: Close Scrutiny

Offering different rewards is quite regular in the credit card industry. It is for this reason why most credit card companies offer different credit card rewards. They know that people will apply for a credit card not just because they need credit but also because they are eager to receive rewards. Read more...

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

This article may help you to apply:

Improve Your Credit Score

A higher credit score can give you more financial options applying for credit card. If you already have a good credit score, you still can make it better. There are no ways to rise steeply your credit score. But improvement is still possible, doesn`t matter what your credit history includes. With time and some patience you can improve your current credit score. Read more...

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

This article may help you to apply:

Credit Rewards Introduction

Increasing competition for customers caused different credit organization to issue cards with various offers for rewards programs, offering cash back and points that can be exchanged for goods and services such as air miles, hotel stays or car rental. With all obvious advantages reward credit cards may not always be the best option among the variety of credit cards. Read more...

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

Credit Card Other Fees

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

See terms and conditions

for EfectivaTM Visa®

EfectivaTM Visa® - Bank of America - Credit Card Details

EfectivaTM Visa®