EfectivaTM Visa®

		EfectivaTM Visa®
	issued by Bank of America

Card Category

Credit History

Available Rewards

Consumer

Excellent/Good

Miles

Cash

Points

About Card

• No annual fee
• Customer communications in Spanish and English
• Total Security Protection
• Various Internet account related services
• Auto rental insurance
• Various travel and emergency assistance services
• Lost luggage recovery
• No liability for unauthorized Internet transactions
• Discounts on auto rentals
• Optional Mini Card
• Optional Purchase Guard

Credit Card Rates

Purchases:		Balance Transfers:		Cash Advances:
Introductory APR:	0%	Introductory APR:	0%	Introductory APR:	none
Introductory Period:	6 months	Introductory Period:	6 months	Introductory Period:	none
Ongoing APR:	10.74%	Ongoing APR:	10.74%	Ongoing APR:	20.74%
Default APR:	29.49%	Default APR:	29.49%	Default APR:	29.49%
Minimum Grace Period:	20 days	Minimum Grace Period:	none	Minimum Grace Period:	none
Minimum Finance Charge:	$1.50	Minimum Finance Charge:	$1.50	Minimum Finance Charge:	$1.50

See terms and conditions