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Issued by Bank of America Categories: Regular
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Overall Rating
Benefit Rating
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The Rainbow Platinum Plus® Visa® Card, issued by FIA Card Services, N.A., is designed for those with very good credit who would like to support gay and lesbian rights and participate in the WorldPoints® reward program. Through the reward program, cardholders earn one point for every dollar spent on all purchases. There is no limit to the number of points that may be earned, but points do expire in five years. Points are redeemable for air travel, car rentals, hotel stays, merchandise, gift certificates, and more. The card has a 0% introductory rate for both balance transfers and cash advance checks for the first twelve months, no annual fee, and a reasonably low fixed interest rate for purchases. Each time the card is used to make a purchase, a percentage will be donated to the non-profit Rainbow Endowment organization, which benefits causes pertaining to the lesbian and gay community. In addition to the donation program, the card also provides platinum cardholder benefits, offered by FIA Card Services, N.A., including a personal concierge service, auto rental insurance, and various travel and emergency assistance services. Therefore, those who would like to help support the Rainbow Endowment organization and plan to take advantage of the introductory offer and the reward program will benefit most from what the Rainbow Platinum Plus® Visa® Card has to offer.
Most Attractive Feature(s): Very low fixed APR; reward program; no annual fee.
Least Attractive Feature(s): Points expire five years after they are earned.
Additional Perks
Various Internet account related services.
No liability for unauthorized transactions.
Various travel and emergency assistant services.
Auto rental insurance.
Fraud and security protection services.
Access to MyConcierge(SM) service.
Access to electronic bill payment.
Each time the card is used, a donation is made to the Rainbow Endowment to benefit causes relevant to lesbians and gays.
See website for additional benefits.
Rates & Fees
- Introductory Rate: 0% APR for 12 Billing Cycles
- Introductory Rate Details: The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks.
- Grace Period: 20 Days (Min.)
- Applied Towards: Balance Transfers
- APR (Purchases) %: 9.9 / 15.99
- APR (Cash Advances) %: 19.99
- Finance Configuration: Average Daily Balance (including new purchases)
- Annual Fee: $0
- Additional Cardholders: $0
- Application Fee:
- Minimum Credit Limit: $2,000
- Maximum Credit Limit: $100,000
- Late Payment Fee: $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250
- Over-The-Limit Fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000
- Cash Advance Fee: 3%, $10 minimum
- Balance Transfer Fee: 3%, $10 minimum
- Important Notations: See website for complete terms and conditions of card usage and application disclosure.
* See the online credit card applications for details about Terms and Conditions of offer.
Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| n/app |
Not Available |
$125** |
No Introductory Rate Available |
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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$95** |
No Introductory Rate Available |
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| 19.92 |
19.92 |
$50 |
No Introductory Rate Available |
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