Issued by Bank of America, the Efectiva Platinum Plus Visa is designed to meet the needs of both Spanish and English speaking card holders with bilingual customers services and a lucrative rewards program. Card holders will receive a bonus point for every pre-specified spending increment each month. With the first qualifying purchase, card holders will receive a batch of bonus points. Card holders an also earn bonus points by transferring balances to the card. There is an annual limit to how many points can be earned, and accumulated rewards points can be redeemed in twenty-five point increments. Points do expire after four years.

When card holders have earned enough rewards points they will be issued a check or a credit to their Bank of America checking or savings account.

The attractive, low introductory interest rate on purchases and balance transfers is good for the first six months. After the introductory period has expired, the APR is a competitive variable rate. There is no balance transfer or annual fee for this card.

Other useful card holder benefits in addition to the generous cash back rewards include online account management features, emergency assistance, travel assistance, rental car insurance coverage, discount auto rentals, emergency card replacement services and purchase protections.

Card holders can order a year-end financial statement, and there is no liability for unauthorized purchases.

Bilingual consumers who are looking for a credit card with a generous rewards program and a competitive APR will want to take a look at the Efectiva Platinum Plus Visa card.