Bank of America® Platinum Plus® Visa® Credit Card
Basic Information
Program ID: bank-of-america-platinum-plus-visa-credit-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Platinum
Data Complete: Yes
Created: 01/07/2026 08:03
Last Scraped: 01/15/2026 06:00
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: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| 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: 1,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Based on typical offers for the Bank of America Platinum Plus Visa Credit Card, this product generally does not feature a sign-up bonus (welcome offer). Its primary benefits are usually focused on a low introductory APR and no annual fee.
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 - This card does not offer a rewards program.
Transfer Partners: N/A - This card does not offer a rewards program.
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility Requirements: Applicants must generally have good to excellent credit (FICO score typically 670+), be at least 18 years old, a U.S. resident, and possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Application Rules (Bank of America 2/3/4 Rule): Bank of America restricts new credit card applications based on the following: no more than 2 new Bank of America credit cards in the past 2 months, 3 new Bank of America credit cards in the past 12 months, and 4 new Bank of America credit cards in the past 24 months. This rule applies across all Bank of America branded credit cards. Bonus Rules: The Bank of America Platinum Plus Visa Credit Card is primarily a balance transfer and low APR card and typically does not offer a significant sign-up bonus. If a bonus is offered (e.g., a small cash bonus), it usually requires a minimal spend within the first 90 days of account opening. Eligibility for any bonus is subject to the 2/3/4 rule and may be restricted if the applicant has previously received a bonus for the same card product within a certain timeframe (e.g., 24 months).
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Bank of America products, rapid application for multiple cards (violating 2/3/4 rule), unusual spending patterns, defaulting on other Bank of America accounts, excessive credit limit increase requests without income justification, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for balance transfers and consolidating debt due to the long 0% intro APR period. No annual fee makes it a cost-effective option for managing finances. Simple and straightforward card for everyday use without complex reward structures.
Top Negative Feedback:
Lacks any rewards program, making it less appealing for those who prioritize earning points or cash back. Intro APR period eventually ends, leading to a standard variable APR that can be high. Better options exist for ongoing rewards or premium benefits once the intro period is over.
Approval Experience Score: 88.0 / 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: 75.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 88.0%
Terms Version Control
Version ID: v1.0