Efectiva™ Visa®

Intro Rate - 0% for first six billing cycles

Earn 1 point for every $100 in net monthly purchases

Every point earned is $1 back to you (up to $600 annually on monthly purchases and balance transfers)

Earn 5 bonus points with your first purchase

Earn 5 points for every $2,500 in net monthly balance transfers from non-Bank of America accounts

Rewards start at just 25 points (points are redeemed in increments of 25 with no annual cap on point redemption)

25 points equal $25 cash back in the form of a check sent to you or a $25 credit to your Bank of America checking or savings account

*See Bank of America Credit Card Application pages for more details

	Card specs

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	P + 3.99%*	None*	Yes*	Good Credit*