Bank of America® Platinum Plus® Mastercard® credit card

Bank of America Mastercard Platinum Plus Pending

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10

Benefits

0

Reward Categories

—

Max Reward

18.2%

APR From
Basic Information
PENDING

Program ID: bank-of-america-platinum-plus-mastercard-credit-card

Issuer: Bank of America

Card Name: Bank of America® Platinum Plus® Mastercard® credit card

Card Type: Credit

Network: Mastercard

Card Tier: Platinum Plus

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 08:09

Last Scraped: Feb 14, 2026 09:05

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 10 Total
PENDING
Account Management 2
Online & Mobile Banking Access

Manage your account conveniently 24/7 through Bank of America's secure online banking platform and mobile app. Features include viewing statements, making payments, and monitoring transactions.

Account Alerts

Receive customizable alerts via email or text message for important account activity, such as payment due dates, low balance warnings, or large purchases, to help you stay informed and manage your spending.

Financial 4
Introductory APR on Purchases
0% Intro APR for 18 billing cycles

Enjoy a promotional 0% introductory Annual Percentage Rate (APR) on new purchases for 18 billing cycles from account opening. After the introductory period, a variable APR will apply.

Introductory APR on Balance Transfers
0% Intro APR for 18 billing cycles

Benefit from a promotional 0% introductory Annual Percentage Rate (APR) on balance transfers made within the first 60 days of account opening for 18 billing cycles. After the introductory period, a variable APR will apply. A balance transfer fee applies.

No Annual Fee
No annual fee

There is no annual fee charged for maintaining your credit card account.

Free FICO Score Access
Free

Access your FICO Score for free within your Bank of America online banking account, allowing you to monitor your credit health.

Security 2
Zero Liability Protection
No liability for unauthorized transactions

You are protected against unauthorized purchases made with your card or account information. You will not be held responsible for fraudulent charges.

Mastercard ID Theft Protection

Provides services to help detect and resolve identity theft, including monitoring for suspicious activity, alerts, and resolution assistance from identity theft experts.

Travel Assistance 2
Mastercard Global Service

Get emergency assistance anytime, anywhere, with toll-free access to a representative who can help with lost/stolen card reporting, emergency card replacement, and emergency cash advances.

Travel & Emergency Assistance Services

Connects cardholders to a wide range of emergency services when traveling, such as medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholder is responsible for the cost of services obtained.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $1.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $29.00
Balance Transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 18.24% - 28.24%

Balance Transfer APR: 18.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 18 months

Intro BT APR: 0% for 18 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Anticipated for 2026, the Bank of America Platinum Plus Mastercard is generally available to applicants with good to excellent credit (typically FICO 670+), who are 18+ years old and U.S. residents. Bank of America enforces a strict application rule: applicants are typically denied if they have opened 2 or more Bank of America credit cards in the last 2 months, 3 or more in the last 12 months, or 4 or more in the last 24 months (the '2/3/4 Rule'). This card typically offers a modest introductory bonus, such as a small statement credit (e.g., $100-$200) after meeting a low spending threshold within the first 90 days, or focuses primarily on an introductory APR offer for purchases and/or balance transfers. Specific bonus offers are subject to change.

Max Cards Per Issuer: 7

Min Spend Interval: 90 days (3 months)

Shutdown Risk Triggers: Manufactured spending (MS) inconsistent with normal spending, high cumulative credit limit across all Bank of America accounts relative to income, frequent balance transfers that are immediately cashed out or moved, abuse of introductory APR offers, repeated opening and closing of accounts to churn bonuses, suspicious activity flagged by fraud detection systems, or defaulting on other Bank of America products.

Cliff Effect Rules: The primary cliff effect is the Bank of America 2/3/4 Rule, which limits new card applications within specific timeframes. While the Platinum Plus is not a rewards card, eligibility for the Bank of America Preferred Rewards program (requiring significant assets with BofA/Merrill) can indirectly influence credit limits and approval odds for any BofA card by demonstrating a deeper banking relationship. For cards that offer significant bonuses, BofA often has rules preventing customers from receiving the same bonus multiple times within a certain period (e.g., 24 months), though this is less common for the Platinum Plus's typically modest offers.

Special Events: N/A - Not a store-branded card.

Holiday Promos: N/A - General purpose credit card, not typically tied to specific holiday promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Easy to get approved, good for balance transfers, simple card for credit building.

Top Negative:
No rewards, high standard APR, very basic features.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Bank of America Customized Cash Rewards credit card
  • Bank of America Unlimited Cash Rewards credit card
  • Discover it® Secured Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Jul 29, 2024 00:00