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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. |
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Brighter Planet Visa® Credit Card |
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- 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*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Balance Transfers*
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12 Billing Cycles*
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9.99% / 15.99%*
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None*
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Yes*
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Very Good Credit*
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Editor's Review:
Are you looking for an innovative way to help the environment? If so, you might want to apply for the Brighter Planet Visa® Credit Card. This credit card works much like a traditional rewards credit card, but it has an eco-friendly twist to the rewards program that you may enjoy.
Every time you use your Brighter Planet Visa® Credit Card, you earn EarthSmart™ points that are automatically redeemed to help pay for renewable energy products. In fact, for every dollar that you spend, you earn one of these EarthSmart™ points. For every 1,000 points you earn, you effectively help to offset 1 ton of carbon emissions. Furthermore, through December 2008, Bank of America will donate one additional point for every two points you earn with the card. With the first purchase you make, you'll automatically receive 1,000 EarthSmart™ points. If you choose to take advantage of paperless billing, you'll receive an additional 1,000 EarthSmart™ points.
In addition to the eco-friendly rewards, the Brighter Planet Visa® Credit Card does offers additional benefits to its cardholders as well. For example, there's no annual fee associated with the card and you can get cards for additional cardholders for no added expense. The card has a fixed 9.99% APR for those who qualify with better credit, all others who qualify will receive a fixed 15.99% APR. For the first twelve months, the card offers an introductory 0% APR on balance transfers and cash advances.
Other benefits associated with the Brighter Planet Visa® Credit Card include online account access and fraud protection. You can also choose to create a profile on the card’s website. Here, you can track the impact that you have personally made on the environment with your EarthSmart™ points.
The Brighter Planet Visa® Credit Card does not have a predetermined minimum or maximum credit limit. The credit limit that you are assigned will be based on your credit history and your current outstanding debt profile. Once the limit is established, however, you will be assessed fees if you go beyond the limit. If you have a balance of up to $500 and you go over your limit, you will have to pay a fee of $15. If you have a balance of over $500 or up to $1000, on the other hand, your fee will be $29. On balances of over $1000, the fee is $39.
With the Brighter Planet Visa® Credit Card, you receive a minimum 20 day grace period before you are assessed finance charges for your purchases. If you fail to pay your bill on time once it comes due, however, you will have to pay extra fees. If you have a balance of up to $100, you will have to pay a $15 fee. On balances of $100 to $250, the fee is $29 while the fee for balances of over $250 is $39.
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(Review Date: October 13, 2008)
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