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Brighter Planet™ Visa® Credit Card

APR's:
There is an introductory APR as low as 0.00% for 12 billing cycles. However, this intro rate only applies towards balance transfers. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates.

Rewards:
This is a charity rewards card, where you might expect rewards to be given to charity.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO score of at least 754 is recommended for a higher chance of approval for the Brighter Planet™ Visa® Credit Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Brighter Planet™ Visa® Credit Card is at least 20 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Approval Rate:
If you believe that you fall into the credit record of "Excellent Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 754, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

• Automatic point redemptions to help build renewable energy projects
  
• 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
  
• Card issued by FIA Card Services, N.A.

• Points are automatically redeemed monthly to help fund community-based renewable energy projects across the United States*
  
• Earn 1 EarthSmart™ point for every $1 spent in net retail purchases*
  
• Earn 50% more points with a match by Bank of America through December 2008§
  
• Earn 1,000 bonus points, which will fund an estimated 1 ton of carbon offsets after your first transaction to offset the creation and delivery of your credit card§§
  
• Earn 1,000 bonus points, which will fund an estimated 1 ton of carbon offsets for electing paperless statements§§§

You can make a difference. Visit brighterplanet.com to...

• Calculate your carbon footprint
  
• Learn ways to reduce your environmental impact
  
• Monitor clean energy projects funded from your card use
  
• Track your estimated carbon footprint reduction from your use
  of this card

1,000 EarthSmart™ points = an estimated 1 ton of carbon offsets which is roughly equal to...

• Taking one car off the road for an estimated 2,000 miles
  
• Powering and heating/cooling your home for approximately one month

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**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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