Much better cards out there with better rewards and less screw you gotcha's. With average credit, it is not easy to get all credit cards. expenses as soon as I had a paycheck. With that said, you can compare what Bank of America currently offers here. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. WalletHub is an independent comparison service. The Bank of America Platinum Plus travel insurance kicks in if you use the card to purchase your travel tickets. This card is fantastic. It does come with some rewards for things like Netflix, but I. I have this card and my rate is 4.99% permanent not introductory and I also earn points which I chose for cash but they can be used for products too. Excellent card if you're using it for this purpose. Bank of America Platinum Privileges Rates One disappointing thing about switching to Bank of America from my former bank was that the interest rates were pretty terrible. The card itself is good, but there are no rewards for it like some of Bank of America's other credit cards which sets it apart in a bad way. When you enroll in the Preferred Rewards program, you can get a 25% — 75% rewards bonus on all eligible Bank of America ® credit cards. Find out all about the Bank of America® Platinum Plus® Mastercard® Business card - we'll provide you with the latest information and tell you everything you need to know to find your perfect card. For help choosing a card that suits your needs and preferences, we recommend trying our CardAdvisor tool. 2. After having maxed out my first card, I needed a second card mainly just for minor monthly purchases. Does this card provide health insurance if you are on a cruise? Coverage may vary by issuer, so please call Bank of America at 1.800.732.9194 to check the extent of yours. review the Bank of America® Platinum Plus® Visa® Card, Bank of America® Cash Rewards credit card, Bank of America® Travel Rewards credit card, Bank of America® Premium Rewards® credit card, CDC Federal Credit Union Visa® Bonus Rewards Card, Baylor University Select Rewards Visa® Platinum Credit Card. I highly recommend them for average credit. Note that we cannot reply to questions asked via this form. As far as I know, I think they offer more cards for people with average credit than any other company. Enjoy greater security and peace of mind with a credit card enhanced by chip technology â now the security standard in the U.S. Plus, chip credit cards are accepted in more than 130 countries, including Canada, Mexico and the United Kingdom. When you click "Apply Now" you will be directed to the offering institution's website. Enrolling in Preferred Rewards requires you to have an eligible Bank of America personal checking account and an average daily balan… Link opens in a new window. Getting a Bank of America Platinum Plus card will not waive your Bank of America checking account fee. This card is terrible. Other than the interest rate, this has been a really great card that has gotten me through some tough times. Please contact us directly if you have any account or service related issues. To enroll in the Preferred Rewards program you must have an active, eligible Bank of America personal checking account and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill ® investment … Bank of America - Platinum Plus Visa Reviews Other Credit Cards: Average: 3.6; High: 5.0; Write a Review < / > Embed ⚑ Claim this listing Add to list. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered. I do not know anything about credit but was excited to open up this card in the mail. The best thing is Bank of America's fraud protection on this card. I did not apply for the card; it came in the mail already approved. Most notably, the card does not offer any rewards or cashback program, which is unlike most elite business credit cards. Please see the terms and conditions. I paid it off in full before the closing date imagine my surprise when I was fined twice what the original charge was, just for the privilege of using Bank of Satans crappy card. They do not seem to appreciate their own customers. Here's some practical information and a selection of convenient banking solutions Bank of America … Bank of America,Bank of America® Platinum Plus® Mastercard® Business credit card,0% Intro APR, Reward, No Foreign Transaction Fees, Business credit cards , credit card, credit card application, online application, instant approval, apply for credit cards What's worse is they didn't even notify me! and U.S. Trust Company of Delaware. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. You get travel accident insurance, which provides coverage in case you suffer an accident under the responsibility of a common carrier. I have been using this card for a little over 4 and a half years now, and I find them to be of pretty good service no matter what the problem is. Mine was 12 months at the time, and helped me relieve some of the stress from the situation and get me back on my feet. Share your insights and review the Bank of America® Platinum Plus® Visa® Card. To protect your identity, please do not submit personal or account information. I first got a this card when I was 18 entering my first year in college to build up some credit. The APR is competitive and is similar to offers from other firms. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). I got this card to help me with a large balance I had on another credit card and took advantage of the 0% balance transfer rate. I think that the best feature that it has is the SAFE online shopping. Wallethub doesn’t charge for this service. Bank of America has also been very quick and effective to cancel this card the few times I've lost it and strange purchases showed up. BofA charges a 3% fee on the transfer but I'm still saving $$$ in the long run by not paying interest. The financial institution did not provide the details. How much is the Bank of America Platinum Plus minimum payment? Bank of America® Platinum Plus® Visa® Card. If you're looking for a starter card to help build your credit, you could do worse than this one. The Bank of America Platinum Plus Mastercard Business card is a business credit card. After, a 10.24% - 21.24% Variable APR applies – which is a very reasonable range if you find yourself needing to revolve a balance month-to … wisely, this would really help to improve credit. I have been using the Bank of America Platinum Plus Card for several years now. I proceeded to spend recklessly and it wasn't long before I had nearly used up my $1,000 limit. Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. I applied every year and finally at the beginning of this year, I got my graduation. It offers an introductory APR promotion on purchases. Enter your cell phone number and we’ll send you a link to install the WalletHub app. Standard message rates apply. I was strictly going to use it for books and school supplies. It came with a high interest rate of about 22%. information stolen. Opt for paperless credit card statements and increase account security while reducing paper consumption. The other major PITA about this card is that should you slip up and miss paying the balance off in full within the grace period, there is a minimum finance charge each month of $10.00. Submit your question about Bank of America® Platinum Plus® Visa® Card to our community. This is your standard credit card. Your responses will help us improve the Bank of America digital experience for all our customers. Best Bank of America Credit Card For Earning Rewards. I have two very old accounts in collections that are about to fall off that have not affected my ability to grow my credit score to a beautiful 700+, pick up the American Express every day blue cash card (no annual fee), Chase Sapphire with an $11,000 limit, or the ever difficult to obtain CapitalOne VentureOne card (also with no annual fee) and a $5,000 limit. Before submitting an application, always verify all terms and conditions with the offering institution. | Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Bank of America charges Platinum Plus cardholders a minimum APR of 10.24 percent (variable), which is well below what many business cards charge. Clearly I can handle my credit, but I don't know what Bank of America is doing. When I first got the card, it was secured and through the bank account I had with them. I've never missed a payment and I haven't carried a balance on this card since right before the year mark, so 2014. Do I need to place a security deposit for Bank of America Platinum Plus? Bank of America has such a bad reputation with me and my friends and family. I believe when I first received it came with a 15% interest rate which wasn't that bad because I planned to pay off the book, I have had this Bank of America card since I was 18 years old, I'm 26 now, it was my first credit card. 52 reviews of Bank of America "I rarely go into my bank these days with all the ATMs, automatic deposits, online banking, etc., but I had to go in and deposit a check today and I got great customer service that I thought I should share here on Yelp. Had to put down a $500 deposit to secure it. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. $50,000 in total assets qualifies for the Platinum tier, and $100,000 in total assets qualifies for the Platinum Honors tier of Preferred Rewards. Get the Bank of America® Platinum Plus® Mastercard® Business credit card card today. Before you leave, please take a moment to answer these 4 simple questions. Last year, their fraud protection office called and asked me if I had made a $200 purchase to "Blizzard Entertainment" (they run the World of Warcraft game). Member FDIC. Highlights. It has all the features like online banking and customer service that other cards also have. It was my first credit and I just graduated high school. They also have excellent customer service. Furthermore, offers have not been reviewed or approved by the offering institution. Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. The Bank of America Platinum Plus minimum payment is 1% of your current balance, plus interest charges and any late fees for the month. these ones give me what I want and when I want it. Unlike our friendly local Bank of America where platinum preferred plus (whatever they call the highest consumer customer tier) gets to go to the front of the line, being the highest customer tier at Wells Fargo doesn't help you avoid the wait. Relationship-based ads and online behavioral advertising help us do that. My mother has been using this card for years and she is entirely satisfied. The Bank of America Platinum Plus® Mastercard® Business card offers an intro purchase APR of 0% for 7 billing cycles. All terms may be subject to change. service...great bank great choices two thumbs up..... is never getting extended on the card (which is the same as the deposit). The Bank of America Platinum Plus Mastercard Business card provides no rewards, but does offer an unusually low APR for those that qualify. And fiduciary services are provided by Bank of America credit card service you obtain last... 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