Bank of America Financial Rewards Visa Platinum Plus

Card issued by FIA Card Services, NA.
Earn points towards cash back
Mini Card available
0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
Earn 5 bonus points with your first purchase.
Points do not expire for 5 years
Online Banking Service
Total Security Protection®
No Annual Fee

EARN POINTS FOR CASHBACK with the
Financial Rewards® Visa® Platinum Plus®
Key benefits
* Earn 1 point for every $100 you spend in net purchases per billing cycle (up to 600 points per calendar year)
* Receive 5 bonus points after your very first net retail purchase
* Receive another 5 bonus points for every $2,500 in balance transfers per billing cycle (up to 25 per billing cycle)
* Points don't expire for five years
* When you redeem, one point equals one dollar
* Receive your rewards in the form of a check written directly to you or a direct deposit made to your Bank of America checking or savings account
Pricing
* No annual fee
* 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
* After your introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 5.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment
* All payments you make will be applied to lower rate balances first
* No balance transfer fees
Platinum Plus benefits
* Online Banking service***
* Total Security Protection®, our free package of security features, including zero liability from unauthorized card use***
* Travel and emergency assistance***
* Automatic auto rental insurance***
* Purchase Replacement***
* Purchase Guard***
* Cash advance checks at no extra charge***
* Additional cards at no extra charge
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DID YOU KNOW?

	When small business owners search for a one-stop solution to meet their business needs, they have to look no further than the services provided by a business service franchise. Business services franchises make life more convenient for small business owners by serving many of their needs; and the they have a chance to work and grow with those businesses in the community. Business services franchises are a perfect match for people who've been involved with other business services careers but now want a chance to start their own business. Business service franchises are the most technologically advanced franchise systems around. These franchises have the ability to adapt to changing market trends and stay on the cutting edge of today's economic times. These franchises emerged to meet the demands of businesses that count on outsourcing to correct their company's bottom line. Since these businesses are introduced to a new source of reliable service providers, they are equipped to cut down on low-end business expenses and can effortlessly meet their financial obligations. The money saved because of outsourcing can be effectively developed on other business functions. Business services franchises each offer hundreds of different solutions to small businesses. The wide range of services provided by these franchises include cleaning, expense reduction, direct mail, shipping and receiving, brokerage services, consulting, and advertising. Don't overlook the importance of finding a well known franchise company or a franchise company with a good reputation when you invest your dollars. With franchising systems "you get what you pay for," as the old saying goes-this can't be further from the truth. Low-end franchisors will have you believe that they offer the best system available. Regardless of how extraordinary they make this deal sound, you have to take caution when dealing with low-end franchise companies. Many of these franchisors are interested in selling only a training manual and authorization to use their company name-rarely do they care about seeing their franchisees’ succeed. Franchisors with a good reputation have very strict standards and will not present a franchise to just any entrepreneur who can afford a franchise fee. Franchisors profile carefully every prospective franchisee to weed out the ones who don't make a good match for their company. These highly-developed franchsie systems will initially be more costly than a lower-end franchise, but also go to great lengths to ensure the success of their franchisees. There are many different businesses providing many different services in America. To meet the different needs of these businesses, business services franchises offer a wide range of products and services. You have countless job options in the business services industry to say the least. Try researching the different businesses in your area and assess what needs aren't being met. Based on your research, you will then be able to find a business services franchise that can meet those needs.

Picture this: you have a nice, stable job that pays you enough to live a comfortable life and also pays for your mortgage and other loans. Suddenly, you are relieved of your services. Now, you are out of work and have a shelf full of bills to pay. What do you do?

Losing one’s job is a very plausible event. It could happen due to a variety of reasons ranging from a small tiff with your boss to an ongoing lay off in your area of work. The bottom line is that you are out of job and chances are that it will continue for the next few months.

You know that your creditors will be pounding on your door very soon. So, what do you do? Don’t worry; there is a way out. The name of the solution is: secured loans for the unemployed.

While unemployment is such a black mark that most lenders would avoid lending to a person who is out of work. However, there is a section of lenders that will be more than ready to advance you money to help you tide over this difficult situation. But they won’t do it for nothing! As a compensation for the risk they are taking in lending to a jobless person, they will demand security.

While home is one of the most common forms of collateral, some lenders may accept other kinds including bonds, shares, jewellery and cars. In case you do not have a security to offer then you may avail an unsecured loan. But such a loan will come with the liability of a very high rate of interest.

In case of secured loans, the amount of loan that you may borrow will depend on the equity in your home. Ideally, you are able to borrow about 80% of your home’s equity, but in your special situation where you are rendered unemployed, you may be allowed to borrow 70% of the equity in your home.

Before a secured loan is advanced to an individual, he is asked to realistically ascertain the period for which his unemployment will continue. If it is expected to last long, then a borrowing a secured loan for a longer period is suggested.

The rate on your secured loan will be determined by a number of factors including your job history, your previous credit record and of course the period for which you are predicted to stay jobless.

While you may face some disappointment in your loan approval from certain lenders, don’t lose heart. Instead, keep trying; there are a lot of lenders out there who will be more than willing to lend you money.