Choice Privileges« Platinum Visa« Card

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Apply for Choice Privileges« Platinum Visa« Card
Issuer: Bank of America
Credit Card Type: Reward Credit Cards
Reward Type: Hotel
APR: 15.49% Variable
Introductory APR: 1.90%
Introductory Period: 6 months
Intro APR applied to: Purchases, Balance Transfers
Cash Advance APR: 21.49% Variable
Annual Fee: None
Grace Period: 20 Days (Min.)
Card Status: Platinum
Credit Rating: Very Good Credit
Full Terms and Conditions: Click Here
  • Earn 6,000 Bonus Points With First Purchase
  • No Annual Fee
  • Earn 15 Points Per $1 Spent At Almost 3,000 Choice Privileges U.S. Locations
  • Airline Miles With Many Major Airline Partners


Type of RewardPoint
Optional RewardNo


Points Per Dollar Spent2 Points
Additional Points15 points earned for every dollar spent at participating "Choice Privileges" locations.
Point DetailsCardholders can redeem earned points for hotel stays, air travel, gift certificates, or choose to donate to the Armed Forces Relief Fund. See for a list of participating hotels.


Miles-Points Expiration2 Years
Yearly LimitNone
Bonus Upon ApprovalNone
Bonus with First Purchase6,000 Points
Bonus with Balance TransfersNone
Bonus AnnualNone
Bonus OtherNone
Bonus DetailsNone


Best Card FeatureNo annual fee; no yearly limit on points earned; low introductory rate; bonus.
Worst Card FeatureNot all applicants may qualify for the lowest rate offered.
Card ReviewThe Choice Privileges« Platinum Visa« Card, issued by Bank of America, is designed for those with very good credit who plan to take advantage of the reward program offered. The reward program is by far the most attractive benefit of the card and is ideal for those who frequently stay at any of the Choice Privileges« hotel locations. Cardholders earn two points for each dollar spent on general purchases and 15 points for each dollar spent at Choice Privileges« locations (see website for participating hotel chains). There is no yearly limit to the number of points that can be earned and any unused points expire in two years. New applicants receive 6,000 bonus points with their first purchase made with the card. Earned points can be redeemed for free hotel stays, gift certificates, and various travel rewards. In addition, there is a unique donation option, where cardholders can redeem their points to fund donations to the Armed Forces Relief Fund. In addition to the reward program, this card offers common platinum benefits provided by Bank of America that include up to $500,000 in travel accident insurance, auto rental insurance, and lost luggage insurance. The card offers a low introductory rate that can be applied towards purchases and balances transfers for the first six months. Although the interest rate for purchases and balance transfers is considered reasonable for a reward credit card, it is not ideal for those who plan to carry a balance after the introductory rate expires. Therefore, those who frequently stay at any of the Choice Privileges« hotels (to earn additional points) and plan to pay in full each month (to avoid finance charges), will find the Choice Privileges« Platinum Visa« Card to be very beneficial.
Date Updated2005-02-01 00:00:00

Lowest Fixed APR Rate: 5.50%

Lowest Variable ARR Rate: 8.49%

Total Credit Cards in Database: 102