Overall I've really enjoyed having this card and it has gotten me though college and a lot more. After having maxed out my first card, I needed a second card mainly just for minor monthly purchases. All terms may be subject to change. Two thumbs up to this card!!! Some of it's programs aren't that great but still gave some kickbacks. By submitting your feedback, you agree Bank of America, its affiliates and any authorized parties may use, commercialize or reproduce the feedback without restriction or any compensation to you. The Bank of America® Platinum Plus® Mastercard® Business credit card is a bare-bones credit card with minimal benefits. However, this card is no longer available to new applicants. Credit cards are issued by Bank of America, N.A. Depending on their credit histories, cardholders may qualify for a credit line of up to $25,000. Highly recccomend. You can also read more about the coverage offered by different credit cards in WalletHub’s study here. No annual fee. Plus, as a Preferred Rewards member, you enjoy real benefits and rewards on your everyday Bank of America ® banking and Merrill investment accounts. 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 … Waiting here easily 20 minutes to get seen. They are great for people with average credit in terms of own many cards you can get. Their credit cards really helped me rebuild my credit. If you are interested in the Bank of America® Platinum Plus® Visa® Card, check out the following credit cards as well: Bank of America® Platinum Plus® Visa® Card is related to the following categories: Don't see what you're looking for? Write full review You also have additional travel benefits, like auto rental insurance, and protection against accidents or medical emergencies that happen internationally. 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. To protect your identity, please do not submit personal or account information. I'm looking forward to use it and I can take it with me to go shopping at the mall, dining out, buy groceries at the store so I can open up my bank account! This allows me to do it without fear of having my, I received this Bank of America Visa card after opening up a checking account at Bank of America. for Platinum Plus® for Business Mastercard®, for Platinum Plus for Business Mastercard, Lower Interest Rate Business Credit Cards. 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. Relationship-based ads and online behavioral advertising help us do that. 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. 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. Bank of America charges Platinum Plus cardholders a minimum APR of 10.24 percent (variable), which is well below what many business cards charge. If I wasn't concerned about it negatively affecting my near perfect credit score because I have had this card forever I would cancel it in a heartbeat. Unlike the ones of the past that i have had to deal with. The interest rates for this card are great and are entirely justified by the quality of the credit card service you obtain. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). However, if you do not pay in full, you will be charged interest on any remaining balance. Bank of America Premium Rewards: Earn 2 points per $1 on all travel and dining and 1.5 points per $1 on all remaining purchases plus Bank of America Preferred Rewards bonus Opt for paperless credit card statements and increase account security while reducing paper consumption. tough times over the past years, and for that I am grateful. The Bank of America Platinum plus offers standard collision damage waiver, theft insurance and also 24-hour roadside assistance. Closing a card never felt so good. Zero liability protection for unauthorized transactions. I love getting my new visa platinum credit card from Bank of America! Apply online for the Platinum business card from Bank of America. And as your qualifying balances grow, so do your benefits. Before you leave, please take a moment to answer these 4 simple questions. I recently decided to pay down my balance on my Platinum Bank of America Visa credit card that I've had since 2007. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. I used it to pay for all my big important purchases such as tuition, books, and computers. We just want to make our last minute Roth IRA contribution. Bank of America provides its customers with, This is only the second credit card that I've ever had (my first one being a Citibank Master 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. I did not apply for the card; it came in the mail already approved. I have had good credit for the last two of those years. Information is displayed first and foremost to help consumers make better decisions. However, it is no longer available to new applicants. back. When I first got the card, it was secured and through the bank account I had with them. Every time I've used it since, I have paid it off immediately. Does this card provide health insurance if you are on a cruise? Which was exactly what I needed it for. It offers an introductory APR promotion on purchases. Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. U.S. Bank Visa® Platinum Card. Bank of America has such a bad reputation with me and my friends and family. The … Sign in to your Online Banking account by entering your Online ID. and U.S. Trust Company of Delaware. This card is fantastic. I proceeded to spend recklessly and it wasn't long before I had nearly used up my $1,000 limit. It has all the features like online banking and customer service that other cards also have. for important information concerning this offer. haven't used those either. It's okay, but very limited. Standard message rates apply. I hear they are good for people with bad credit with their secured card. My mother has been using this card for years and she is entirely satisfied. After using their cards to build my credit, I now have my pick of the excellent credit cards from American express to the Venture card. Although the Bank of America Platinum Plus Visa Card charges a low interest rate, its still providers members with a generous line of credit. Most notably, the card does not offer any rewards or cashback program, which is unlike most elite business credit cards. I got approved for their three average cards I have gone from average to good to above to excellent. Please see the terms and conditions. © 2020 Bank of America Corporation. These ads are based on your specific account relationships with us. 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. 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. The biggest selling point for the Platinum Plus Mastercard is its below average interest rate, which could be a big deal for cardholders who know they’ll be carrying debt for some time. The Bank of America Platinum Plus minimum payment is 1% of your current balance, plus interest charges and any late fees for the month. I originally had no credit cards in March because of past experiences. What's worse is they didn't even notify me! The best thing is Bank of America's fraud protection on this card. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs. That all comes from the Visa network. Flexible redemption options: When the time comes to cash in your initial reward, you can accept the cash bonus via a statement credit, physical check or an electronic deposit into a Bank of America checking or savings account. I do not know anything about credit but was excited to open up this card in the mail. However, this card is no longer available to new applicants. 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. This card seems to be a good one and they won't charge me interest for the first 12 months, so I can slowly pay them back and clear myself of this debt without having to worry about the bill rising too high. You can also consult our editor's picks for the best credit cards on the market in various categories. Clearly I can handle my credit, but I don't know what Bank of America is doing. 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 Ask a question. If you prefer that we do not use this information, you may opt out of online behavioral advertising. 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. I highly recommend them for average credit. That is such a lowdown dirty trick. Save on interest with a competitive purchase APR. Here's some practical information and a selection of convenient banking solutions Bank of America … That was in 2013. Remember that the foreign transaction fee is in play both when you’re traveling abroad and when you're purchasing from internationally based merchants. Getting a Bank of America Platinum Plus card will not waive your Bank of America checking account fee. I first got a this card when I was 18 entering my first year in college to build up some credit. I put $300 down to secure the line of credit and was told that if I used it and made all of the payments on time and had a zero balance at the year mark, they would graduate it for me and turn it into an unsecured card and I'd get my deposit, I've had this card for about four and a half years now.they have pretty good service no matter what the problem is and they provide great help. The Bank of America Platinum Plus credit card is no longer available to new applicants. The foreign transaction fee for the Bank of America Platinum Plus Visa is 3%. The Bank of America Platinum Plus® Mastercard® Business card offers an intro purchase APR of 0% for 7 billing cycles. Bank of America, N.A. The card does lack some of the cash back feature that other firms have, namely Chase. Everyone will be different in terms of things like past negatives and other various but over time,, if you manage credit, One of the problems with this card is that it has a high interest rate even for those who have near perfect credit. I've called to try and get the interest rate lowered, but they declined to do so. With average credit, it is not easy to get all credit cards. It came with a high interest rate of about 22%. Additional protection for misuse by terminated employees and for most purchases against loss, damage, theft, or fire. the same bank as my other accounts (checking, savings, etc). Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. Enter your cell phone number and we’ll send you a link to install the WalletHub app. I usually use it for online purchases and some restaurant charges, and the interest rate is very reasonable, and my monthly bill is relatively low, at less than $20. There is … Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. My available credit line was $3,500 and I had carried a balance on it for years that I was slowly paying off. I was so happy when I first started using the service, because they are not impersonal like other bank credit card companies that I have had to deal with.I will highly recommend this card because it really help me build credit and was great for loans and good, I've had this card for about 8 years to help me build credit. Travel services your business needs including $100,000 in travel accident insurance and auto rental insurance, emergency ticket replacement, lostâluggage assistance and the option to get extended protection. Excellent card if you're using it for this purpose. Rebate Formula - The Bank of America Financial Rewards Visa Platinum Plus Card has a simple rebate formula that pays you an equivalent of 1% cash rebates. The Bank of America Platinum Plus Card had a variable interest ranging from 10.24% to 16.24%, depending on an applicant's creditworthiness. I got it in 2004. How do I apply for the Bank of America Platinum Plus card? You may therefore want to check out our Editors' Best card picks or try our free CardAdvisor tool to find other options. Learn more about this card, read our expert reviews, and apply online at CreditCards.com. With that said, you can compare what Bank of America currently offers here. Other than the interest rate, this has been a really great card that has gotten me through some tough times. Highlights. information stolen. I decided to make a $1,500 payment reducing what was owed on the card down to less than $800. 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. Manage your business with a suite of online services including automatic payments, transfers and downloading transactions into QuickBooks. Link opens in a new window. For customer service call: 800-732-9194, Ext. I think this is a fair credit card policy. Equal Housing Lender new window. Furthermore, offers have not been reviewed or approved by the offering institution. . You earn one point for every one hundred you spend and that one point will get you $1.00 in cash rebates. I feel I have outgrown this card. We strive to provide you with information about products and services you might find interesting and useful. The one time it was because It was something that was out of the ordinary, the other time it was a fraudulent charge. Bank of America® Platinum Plus® Visa® Card. You get travel accident insurance, which provides coverage in case you suffer an accident under the responsibility of a common carrier. I called to ask and they said it was because I have serious delinquencies on my credit. Bank of America lets cardholders take control of their credit card accounts via its online banking service. You can go to their website and get a temporary one time credit card number. The Bank of America Platinum Plus Card had a variable interest ranging from 10.24% to 16.24%, depending on an applicant's creditworthiness. More on that in February when I call in and request it, but, I found it a touch disheartening that the Bank of America people didn't even try to keep my business and the really kind of horrible CreditOne people did (the card is horrible, not the people). If you opt out, though, you may still receive generic advertising. I have been using the Bank of America Platinum Plus Card for several years now. limit several times. Wallethub doesn’t charge for this service. How does the Bank of America Platinum Plus rental car insurance work? In if you 're looking for a credit line down to $ 25,000 my card... Because it was my first year in college to build up some credit issuer ’ s responsibility ensure. Trust and fiduciary services are provided by Bank of America® Platinum Plus® Visa® card ads... Plus have a foreign transaction fee for the Bank of America Platinum Plus card for years that I have from! About a purchase that I like this card improve credit, it is easy. 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