The Money Return Visa Platinum Plus credit card has a truly unique rewards program that pays card holders back some of the finance charges that they paid over the course of the year. These rebates are disbursed in January for the interest charges paid over the previous year for accounts that are in good standing. One downside of this reward is that in order to receive it, card holders will have had to carry an unpaid balance over the course of a year, which could prove to be a bit expensive if they do not qualify for the lowest interest rate. There is no annual fee for the card, and card holders also get discounts on car rentals.

The low introductory interest rate is good for the first six months and can be applied to both balance transfers and purchases. The fixed rate that goes into effect once the introductory rate expires is reasonable. The introductory interest rate also applies to cash advance checks during the six month period.

Additional Bank of America card holder platinum level benefits include rental car insurance coverage, purchase protections, travel and emergency services, online account management services, protection from fraud and zero liability for unauthorized purchases, purchase replacement services and total security protection.

Those consumers who would find the rebate on finance charges appealing will enjoy getting paid back for all of those interest payments, and who qualify for the lowest interest rate will get the most out of the Money Return Visa Platinum Plus.