Bank of America® Platinum Plus® Visa® Credit Card
Bank of America Visa Platinum Plus Pending
9
Benefits0
Reward Categories—
Max Reward18.2%
APR FromBasic Information
PENDINGProgram ID: bank-of-america-platinum-plus-visa-credit-card
Issuer: Bank of America
Card Name: Bank of America® Platinum Plus® Visa® Credit Card
Card Type: Credit
Network: Visa
Card Tier: Platinum Plus
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 9 Total
PENDINGFinancial 1
No Annual Fee
$0 annual feeThere is no annual fee to carry this credit card, saving you money each year.
Lifestyle 3
Digital Wallet Compatibility
Compatibility with major digital walletsUse your card with popular digital wallets like Apple Pay®, Google Pay™, and Samsung Pay for secure and convenient payments.
Online & Mobile Banking Access
Full online and mobile account managementManage your credit card account, pay bills, view statements, and more through Bank of America's online and mobile banking platforms.
Paperless Statements
Online statement accessAccess your monthly credit card statements securely online, reducing paper clutter and providing convenient access to your financial records.
Security 3
Zero Liability Fraud Protection
No liability for unauthorized chargesProtects you from unauthorized transactions made with your card. You are not held responsible for fraudulent charges.
Account Alerts
Email or text alertsReceive email or text alerts to stay informed about your spending and account activity, helping you monitor for unusual transactions.
Emergency Card Replacement and Emergency Cash Disbursement
Emergency card/cash servicesProvides assistance with getting an emergency card replacement or emergency cash if your card is lost or stolen, typically within 24-72 hours, subject to availability and location.
Travel Assistance 2
Travel and Emergency Assistance Services
Referral services for travel emergenciesProvides a referral service for cardholders when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services obtained.
Roadside Dispatch
Pay-per-use roadside assistanceA pay-per-use roadside assistance program available 24/7. Services include standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call.
Benefits Summary (Flags)
PENDINGExtended 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: | $1.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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: | 3.00% |
Interest Rates & APR
PENDINGStandard 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
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Bank of America Platinum Plus Visa Credit Card in 2026 requires applicants to be at least 18 years old, a U.S. resident, and possess a Social Security Number or ITIN. Approval is contingent upon good to excellent credit history. Bank of America's '2/3/4 Rule' for new credit card applications is projected to remain in effect: applicants are generally limited to 2 new BofA cards in the past 2 months, 3 new BofA cards in the past 12 months, and 4 new BofA cards in the past 24 months. This card typically does not offer a significant sign-up bonus requiring a minimum spend; introductory offers are usually focused on promotional APRs for purchases or balance transfers.
Max Cards Per Issuer: 4
Min Spend Interval: N/A - Card typically does not offer a sign-up bonus requiring minimum spend.
Cliff Effect Rules: This card is not typically subject to complex bonus 'cliff effect' rules found on premium rewards cards, as it generally does not offer a large sign-up bonus. However, general Bank of America application rules (e.g., 2/3/4 rule) apply to all new card applications.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Excellent for balance transfers with a low introductory APR. No annual fee makes it a good option for basic spending or credit building. Simple and straightforward card.
Top Negative:
Lacks a rewards program, making it less appealing for everyday spending compared to cash back cards. Regular APR can be high after the introductory period.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Bank of America Customized Cash Rewards credit card
- Bank of America Unlimited Cash Rewards credit card
- Chase Freedom Unlimited
Card Value Score: 70.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 88.0%
Version Control
PENDINGVersion ID: v1.0