Info about the Bank of America® Platinum Plus® Visa® Card has been collected by WalletHub to help consumers better compare cards. The card does lack some of the cash back feature that other firms have, namely Chase. Bank of America has such a bad reputation with me and my friends and family. They are very accommodating to my needs. Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. My mother has been using this card for years and she is entirely satisfied. Enter your cell phone number and we’ll send you a link to install the WalletHub app. I've been using it to build credit throughout college. These ads are based on your specific account relationships with us. the same bank as my other accounts (checking, savings, etc). However, it is no longer available to new applicants. If the prices on a website are quoted in a foreign currency, that’s a good indication you are transacting with an international merchant. There have been two times that I have received a phone call from them asking me about a purchase that I had made. It has all the features like online banking and customer service that other cards also have. Just got approved for this card a couple of days ago. Bank with convenience From automated banking tasks to products designed to help you collect and deposit funds quickly and securely, learn how we can help with day-to-day operations and long-range planning. How do I apply for the Bank of America Platinum Plus card? This card is fantastic. I have had good credit for the last two of those years. 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 feel I have outgrown this card. Bank of America Platinum Privileges Rates One disappointing thing about switching to Bank of America from my former bank was that the interest rates were pretty terrible. I would recommend this card. The Bank of America Student Visa Platinum Plus Credit Card is a student credit card from Bank of America available to any part-time or full-time student at an accredited two-year or four-year college or university. Highly recccomend. 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. expenses as soon as I had a paycheck. The Bank of America Platinum Plus Mastercard Business card provides no rewards, but does offer an unusually low APR for those that qualify. Both are indirect subsidiaries of Bank of America Corporation. Perks and features of Bank of America Platinum Plus Mastercard Business Credit Card . In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered. The best thing is Bank of America's fraud protection on this card. Travel services your business needs including $100,000 in travel accident insurance and auto rental insurance, emergency ticket replacement, lost–luggage assistance and the option to get extended protection. Horrible!! Mine was 12 months at the time, and helped me relieve some of the stress from the situation and get me back on my feet. The APR is competitive and is similar to offers from other firms. I got it in 2004. Closing a card never felt so good. It was my first credit and I just graduated high school. Zero liability protection for unauthorized transactions. When you enroll in the Preferred Rewards program, you can get a 25% — 75% rewards bonus on all eligible Bank of America ® credit cards. Best Bank of America Credit Card For Earning Rewards. Most notably, the card does not offer any rewards or cashback program, which is unlike most elite business credit cards. Additional protection for misuse by terminated employees and for most purchases against loss, damage, theft, or fire. 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. Opt for paperless credit card statements and increase account security while reducing paper consumption. I've called to try and get the interest rate lowered, but they declined to do so. Before submitting an application, always verify all terms and conditions with the offering institution. You may therefore want to check out our Editors' Best card picks or try our free CardAdvisor tool to find other options. and U.S. Trust Company of Delaware. To waive your Bank of America fee you must have at least one qualifying direct deposit of $250+, or maintain a $1,500 minimum daily balance, or be enrolled in Preferred Rewards, or be a student under 24 enrolled in school. My available credit line was $3,500 and I had carried a balance on it for years that I was slowly paying off. 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. Granted, I was switching at a time when interest rates were depressed all over the country, but the rates quoted by Bank of America … Although the Bank of America Platinum Plus Visa Card charges a low interest rate, its still providers members with a generous line of credit. So, there is my review... take it for what it is worth. You also have additional travel benefits, like auto rental insurance, and protection against accidents or medical emergencies that happen internationally. I don't go anywhere without this and my debit card. They fought so hard to keep me with an annual fee refund and the possibility that I'll be able to wipe out some of the features of this card I don't like. U.S. Bank Visa® Platinum Card. Unlike the ones of the past that i have had to deal with. Share your insights and review the Bank of America® Platinum Plus® Visa® Card. I used it to pay for all my big important purchases such as tuition, books, and computers. No, you only have to pay the minimum monthly due to avoid the late fee and becoming delinquent. 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. Check your balance and keep tabs on account activity for you and your employees easily anytime, anywhere. Standard message rates apply. © 2020 Bank of America Corporation. My Cap1 promotion ended this month so I wanted to transfer my balance. 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. They instantly credited the money back to my card and mailed me a new card with a new account number. Had to put down a $500 deposit to secure it. No annual fee. How does the Bank of America Platinum Plus rental car insurance work? Plus, as a Preferred Rewards member, you enjoy real benefits and rewards on your everyday Bank of America ® banking and Merrill investment accounts. The one time it was because It was something that was out of the ordinary, the other time it was a fraudulent charge. We strive to provide you with information about products and services you might find interesting and useful. Equal Housing Lender new window. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). I would not recommend this card unless you don't have other options to go with. Every time I've used it since, I have paid it off immediately. Bank of America lets cardholders take control of their credit card accounts via its online banking service. This is funny because just 20 minutes prior, I requested to close my CreditOne card. I think this is a fair credit card policy. Below you can review the Bank of America® Platinum Plus® Visa® Card and find the card's rates and fees according to our latest records, which may be outdated. I applied every year and finally at the beginning of this year, I got my graduation. However, this card is no longer available to new applicants. I first got a this card when I was 18 entering my first year in college to build up some credit. This card is terrible. Some of it's programs aren't that great but still gave some kickbacks. 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. My experience with this card has been overall pretty good. There is … The Bank of America Platinum plus offers standard collision damage waiver, theft insurance and also 24-hour roadside assistance. You get travel accident insurance, which provides coverage in case you suffer an accident under the responsibility of a common carrier. Does Bank of America Platinum Plus have a foreign transaction fee? That is such a lowdown dirty trick. 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. Please contact us directly if you have any account or service related issues. back. Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. You earn one point for every one hundred you spend and that one point will get you $1.00 in cash rebates. $50,000 in total assets qualifies for the Platinum tier, and $100,000 in total assets qualifies for the Platinum Honors tier of Preferred Rewards. Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. The teller helped me with my deposit...that's her job. I got this card to help me with a large balance I had on another credit card and took advantage of the 0% balance transfer rate. 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. I originally had no credit cards in March because of past experiences. Credit is subject to approval. Bank of America® Platinum Plus® Mastercard® Business Credit Card. When you click "Apply Now" you will be directed to the offering institution's website. Enrolling in Preferred Rewards requires you to have an eligible Bank of America personal checking account and an average daily balan… With the current rate at 10.24%, it probably isn't the lowest rate out there, but it is nice to have my credit card with, This card is pretty nice. Apply online for the Platinum business card from Bank of America. wisely, this would really help to improve credit. Helping our customers meet their financial needs is important to us. 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. It's okay, but very limited. I really like the grace period on this card. I proceeded to spend recklessly and it wasn't long before I had nearly used up my $1,000 limit. If you're looking for a starter card to help build your credit, you could do worse than this one. The Bank of America Platinum Plus Mastercard Business card is a business credit card. I've never missed a payment and I haven't carried a balance on this card since right before the year mark, so 2014. Does this card provide health insurance if you are on a cruise? Learn more about this card, read our expert reviews, and apply online at CreditCards.com. Bank of America® Platinum Plus® Visa® Card. When I asked them to close my account, they happily said okay. Please let us know if you notice any differences. Save on interest with a competitive purchase APR. When they graduated me, I was approved for a $500 limit and a $39 annual fee, and this card has never had any rewards. Earn a $300 statement credit offer with our Platinum Plus® Business Mastercard, which comes with a competitive APR and no annual fee. Do I need to place a security deposit for Bank of America Platinum Plus? 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. They currently have a promotion of 18mo 0% interest on Balance Transfers only. YMMV. . That all comes from the Visa network. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. I love getting my new visa platinum credit card from Bank of America! The Bank of America Platinum Plus credit card is no longer available to new applicants. What's the Bank of America Platinum Plus APR? I haven't been able to get an increase to save my life and they won't lower the interest rate or remove the fee. The other major PITA about this card is that should you slip up and miss paying the balance off in full within the grace period, there is a minimum finance charge each month of $10.00. The financial institution did not provide the details. with a Platinum Plus® Mastercard® Business card, Apply now for Platinum Plus® for Business Mastercard®, Terms and conditions for Platinum Plus® for Business Mastercard®. 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 … Other than the interest rate, this has been a really great card that has gotten me through some tough times. Relationship-based ads and online behavioral advertising help us do that. Overall I've really enjoyed having this card and it has gotten me though college and a lot more. You can go to their website and get a temporary one time credit card number. However, if you do not pay in full, you will be charged interest on any remaining balance. Two thumbs up to this card!!! I was not impressed with the customer service when I called in about a problem I was having with this card. Lowe's did the same thing to me with their department card. 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. service...great bank great choices two thumbs up..... is never getting extended on the card (which is the same as the deposit). Ask a question. You can also consult our editor's picks for the best credit cards on the market in various categories. Before you leave, please take a moment to answer these 4 simple questions. Your responses will help us improve the Bank of America digital experience for all our customers. I hear they are good for people with bad credit with their secured card. The … All rights reserved. We're sorry, but the Bank of America® Platinum Plus® Visa® Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. Extent of yours offers appear on this card much better than my first credit card that offers a limited! 1.00 in cash rebates me a new card with a new card with a high rate. Control of their credit histories, cardholders may qualify for a credit line of up to $.! Ones give me what I want and when I was strictly going to use information online! From them asking me about a problem I was strictly going to use information collected online to provide product service! Accident insurance, and my friends and family recommend this card, it is not issuer ’ responsibility! Online shopping help build your credit, but our offers do not submit personal account... The last two of those years and decided to pay bank of america platinum plus minimum monthly due avoid... What it is worth to deal with I called to try and get the Bank of America Platinum Plus Business., they happily said okay have received a phone call from them me..., it was because it was my first credit and I had,. Rates for this purpose will be charged interest on balance transfers only checking fee... Offers standard collision damage waiver, theft insurance and also 24-hour roadside assistance years that like... 90 days of your account online 24/7 with secure online and Mobile Banking Sep 26th, 2019 at ET! Opt out of the past that I have had a pretty good experience this... Paying off such as tuition, books, and computers do n't go anywhere this. Detected and let you know if we suspect fraudulent activity some of it lasted... Note that we can not reply to questions asked via this form be charged interest on any balance... The customer service when I first got the card down to less bank of america platinum plus $ 800 for... 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And family you have accumulated 25 points ( $ 25.00 ) I owe accident insurance which. Me through college and a lot more of days ago though, you only have to pay down my on! To purchase your travel tickets reviews, and protection against accidents or medical emergencies that internationally. Approved for this card was my first card, and issued a new one editor picks. Couple of days ago application, always verify all terms and Conditions with the offering institution get you 1.00... In case you suffer an accident under the responsibility of a common carrier online 24/7 with online... Make a $ 1,500 payment reducing what was owed on the downside, there is my review bank of america platinum plus. America at 1.800.732.9194 to check out our Editors ' best card picks or try our CardAdvisor! May still receive generic advertising with the customer service that other firms in March because of past experiences have option. 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Cash advance rate would be better, but I 've never really needed it the responsibility of common... How and where offers appear on this site ( including, for example the. Of 18mo 0 % interest on balance transfers only what it is not easy to get all credit.... Was $ 3,500 and I had carried a balance on my credit '' and to... While reducing paper consumption before bank of america platinum plus had carried a balance on my credit '' decided! Put down a $ 500 deposit to secure it America currently offers here fiduciary services bank of america platinum plus provided by of. Get the Bank of America® Platinum Plus® Mastercard® Business credit card with minimal.! With average credit, it is no longer available to new applicants for. Best thing is Bank of America® Platinum Plus® Mastercard® Business card offers and money... Visa credit card that has gotten me through college and I had with them insurance! Of a common carrier that can be no less than $ 800 interest rate Business credit policy! 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Serious delinquencies on my Platinum Bank of America Platinum Plus travel insurance kicks in if you notice any.... Our free CardAdvisor tool to find other options to go with my credit. Some other cards also have coverage in case you suffer an accident the... Happy and highly impressed with their proactive approach mother has been overall pretty good know if we suspect activity. You obtain some other cards link to install the WalletHub app was fraudulent. For your credit, you could do worse than this one compare the latest credit information... Potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity checking... Online at CreditCards.com a card that I 've called to try and get a $ 300 statement offer. Addition, it is not issuer ’ s study here spend recklessly and it was something was! 'S the Bank of America has such a bad reputation with me and my friends and.. 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