Brighter Planet™ Visa® Credit Card Information, Reviews, Ratings

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12/1/2008, Monday, 6:45pm (PST)

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Brighter Planet™ Visa® Credit Card
Issued by Bank of America

Brighter? Planet Visa? Credit Card

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Review

The Brighter Planet™ Visa® Credit Card, issued by FIA Card Services, N.A., is designed for those with very good credit who would like to support an organization dedicated to monitoring and protecting the environment and will take advantage of the EarthSmart™ reward program.

Through the reward program, cardholders earn one EarthSmart™ point for every dollar spent on all purchases. Points are automatically redeemed to help fund renewable energy projects.

Cardholders will also receive 1,000 EarthSmart™ bonus points after their first qualifying purchase and 1,000 EarthSmart™ bonus points when they choose paperless billing. Essentially, every 1,000 points cardholders earn will fund an estimated 1 ton of carbon offsets. In addition, for every two points earned through December 2008, Bank of America will make a matching contribution of one additional point.

Aside from the reward program, cardholders can expect benefits such as fraud protection and online account access. Cardholders may also create a profile on the Brighter Planet website, which can be used to track their impact on the enviroment.

The card has no annual fee and the fixed interest rate for purchases is reasonably low (for those who qualify). There is also a 0% introductory rate that can be applied towards balance transfers and cash advance checks for the first twelve months.

Therefore, those who may occasionally carry a balance, plan to take advantage of the reward program, and would like to support improving the environment will find the Brighter Planet™ Visa® Credit Card a suitable option.

Updated: December 1, 2008

Most Attractive Feature(s) : No annual fee; reward program; 0% introductory rate.

Least Attractive Feature(s) : No extraordinary benefits or discounts offered to cardholders aside from the reward program.

Terms andConditions

Note: The review on this card was updated on December 1, 2008. The review is believed to be accurate during the update, however, 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.

Specifics

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Category Definitions

Card Category: Reward - Other

Introductory Rate : 0% APR for 12 Billing Cycles

Applied Towards : Balance Transfers

Introductory Rate Details : The introductory rate is also available for cash advance checks.

Annual Fee : $0

Additional Cardholders : $0

Grace Period : 20 Days (Min.)

Minimum Credit Limit : n/a

Maximum Credit Limit : n/a

Late Payment Fee : $15 on balances up to $100; $29 on balances of $100 through $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

Reward Program Details

Points per Dollar : 1 Point

Additional Points : Cardholders will earn one additional point for every two points earned through December 2008.

Point Details : Points are redeemable monthly to help fund renewable energy projects.

Expiration : n/a

Yearly Limit : None

Bonus Points First Purchase : 1,000 EarthSmart Points**

Bonus Points Other : 1,000 EarthSmart Points***

Bonus Points Details : **Cardholders will receive 1,000 EarthSmart bonus points after their first qualifying purchase and 1,000 EarthSmart bonus points when enrolled to receive paperless statements.

Perks / Notations

Additional Perks

Various Internet account related services.
Access to Mini Card service.
Fraud protection.
See website for additional benefits.

Important Notations

The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%.
See website for complete terms and conditions of card usage and application disclosure.

Additional Information

Apply Online for the Brighter Planet™ Visa® Credit Card.

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APR (Purchases) : 9.99% / 15.99%

APR (Cash Advances) : 24.99%

Finance Configuration : Average Daily Balance (including new purchases)

Credit Card Reviews - Ratings are based on the CardOffers.com rating system. Posted ratings should not be the only factor in helping you decide which credit card is right for you. Reviews are believed to be accurate during time of evaluation; however, information posted may change after the review date. By entering this page you agree to the Terms and Conditions of CardOffers.com.

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