Brighter Planet Visa® Credit Card

Help save the earth with the following Brighter Planet Visa® Credit Card brought to you by Bank of America and CreditCardAssist.com. Earn one EarthSmart™ point for every dollar spent on all purchases, points are automatically redeemed to help fund renewable energy projects.

Brighter Planet Visa® Credit Card

1 EarthSmart Point for Every $1 Net Retail*
1,000 EarthSmart Bonus Points with First Transaction*
1,000 EarthSmart Bonus Points for Signing up for Paperless Statements*
For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers*	12 Billing Cycles*	9.99% / 15.99%*	None*	Yes*	Very Good Credit*

Editor's Review: The Brighter Planet Visa® Credit Card, issued by FIA Card Services, N.A., is designed for the twenty-first century consumer. A good candidate for this card typically has outstanding balances on other credit cards that are currently at comparably high interest rates, resulting in significant finance charges. A consumer that's a good fit for this offer also tends to have an interest in social issues and would like to contribute to the planet in a meaningful way (if only there was any money left after paying the bills to do so.)

The Brighter Planet Visa® Credit Card offers a low interest balance transfer rate while also allowing the consumer to participate in a rewards program that accumulates points used to give back to environmentally-oriented, renewable energy projects. The forward-thinking, money-conscious consumer who has very good credit will find that this is a unique card with an attractive balance transfers feature that's worth taking a closer look at.

The balance transfer feature offers a zero percent introductory interest rate within the first twelve months of ownership of the card, allowing the individual to lower his or her monthly payments on outstanding balances and to become proactive in paying off the debt interest free within that year. Designed for people with good credit, the card provides the mainstream consumer a second chance on dealing with his or her high interest card balances. There is a three percent fee for the balance transfer transaction which is a rate comparable to other similar balance transfer offers.

The Brighter Planet Visa® Credit Card allows the individual to give back to the world without having to suffer any financial strain in doing so. Points are accumulated when the card is used, just like on a typical rewards credit card. However, instead of redeeming the points to get gift certificates and other personal rewards, the points are translated into dollar amounts which are automatically donated to renewable energy projects around the world. People who want to donate to environmentally conscious projects and causes but who don't have significant resources to do so often find that card offers such as the Brighter Planet card are a great financially pain-free way to give back.

(Review Date: July 24, 2008)


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