Bank of America Platinum Plus Mastercard Credit Card
Basic Information
Program ID: bank-of-america-platinum-plus-mastercard-credit-card
Issuer: Bank of America
Card Type: Credit
Network: Mastercard
Card Tier: Platinum
Data Complete: Yes
Created: 01/07/2026 08:09
Last Scraped: 01/15/2026 06:06
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer (minimum $10) |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,824.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: None
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - This card does not offer a rewards program.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - No rewards program.
Transfer Partners: N/A - No rewards program.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Bank of America's known application velocity rules (expected to persist into 2026) apply: no more than 2 new Bank of America credit cards in the past 2 months, 3 in the past 12 months, and 4 in the past 24 months. This rule applies across all Bank of America credit card products. Eligibility requirements for the Bank of America Platinum Plus Mastercard typically include having good to excellent credit (FICO score generally 670+), being at least 18 years old, and possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Bank of America's comprehensive underwriting criteria, including income verification and existing credit relationships. This card primarily focuses on introductory APR offers for purchases and balance transfers rather than a significant sign-up bonus. If a small introductory bonus (e.g., a statement credit) is offered, it is typically a one-time offer for new cardholders and may have specific eligibility criteria, such as not having held the card previously.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months (90 days) if an introductory bonus is offered, though this card primarily focuses on APR offers rather than spend-based bonuses.
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bank of America accounts, frequent balance transfers to other banks, sudden drastic changes in spending patterns, non-organic spending behavior, multiple applications for credit in a short period (even outside BofA), and general non-compliance with cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Excellent for balance transfers with a long introductory APR period, no annual fee, good for debt consolidation and managing large purchases without interest, simple and straightforward.
Top Negative Feedback:
No rewards program is a major drawback, foreign transaction fees apply, regular APR can be high after the introductory period, customer service can be inconsistent.
Approval Experience Score: 82.0 / 100
Recommended Alternatives
- Chase Slate Edge℠
- Citi Simplicity® Card
- Wells Fargo Reflect® Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0