Links all appear dead right now. It comes and goes. Sometimes it works with the below process:

DEAL IS STILL ALIVE - FOLLOW THESE DIRECTIONS

OfferCode:FAATCY

Balance Transfers T&C for Bank of America Platinum Plus MasterCard
(Balance transfer helpline: 1.800.726.8601)

The promotional Annual Percentage Rate (APR) Offer for this Balance Transfer is 0% through your statement Closing Date in 2010. Your promotional offer may end sooner. If you pay late or exceed your credit limit, then as of the first day of the billing cycle in which that occurs, the promotional offer will end. When this Offer ends, the APR for this promotional balance will increase to the then prevailing non-promotional variable rate for Balance Transfers; as of 12/31/2008 the APR is 7.24% . In addition, we may increase the APRs on your account up to the Default Rate without giving you notice. The Default Rate could be as high as 29.99%. There is no fee for this Balance Transfer.

Balance Transfers and Direct Deposits are subject to account status, delinquency, and credit availability. Also, we may decline a Balance Transfer or Direct Deposit request if we determine that you no longer meet our credit standards. If we decline a request because you no longer meet our credit standards, we will try to contact you first but we may reject the request and notify you later. Borrowing the full amount of your available credit may result in an overlimit fee, as applicable. You may not use a Balance Transfer to make a payment on this or any other credit account issued by FIA Card Services, N.A. APRs are subject to change in accordance with the terms of your Credit Card Agreement. We will allocate your payments to balances (including new transactions) with lower Annual Percentage Rates (APRs) before balances with higher APRs.

TERMS CLEARLY SAY NONE UNDER "FEES" FOR BALANCE TRANSFERS

There's no fee for balance transfer. I just chatted with one of their representative to confirm.

Thank you for choosing Bank of America. An operator will be with you shortly.
You are now chatting with Kimberly.
you: Hi Kimberly
Kimberly: Hello, how may I help you complete your online credit card application today?
you: I have one question
Kimberly: I would be happy to assist you.
you: Can you tell me if this credit card has a balance transfer fee?
you: https://offers.bankofamerica.com/ConsumerCard/MNCOffer.aspx?sc=F...
you: 0% fixed introductory APR for 12 months on Purchases, Balance Transfers and Cash Advance Checks
you: It has 0% for balance transfers.
you: But I want to know if there is 0$ fee for balance transfer.
Kimberly: One moment please.
you: Ok
Kimberly: No there is no fee.
you: Ok, thanks
Last text message receivedKimberly: You’re very welcome.

DETAILS OF RATE, FEE, AND OTHER COST INFORMATION

As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.

Annual Percentage Rate
(APR) for Purchases
0% Introductory APR for the first 12 statement Closing Dates following the opening of your account. After that, the Standard Variable APR is
7.24% for Platinum Plus ,
10.24% for Gold or
12.24% for Preferred accounts
The account you receive is determined based on your creditworthiness. The Introductory APR will end sooner if your payment is late or the account balance is over the credit limit. See below for explanation.
Other APRs
Balance Transfers: 0% Introductory APR for the first 12 statement Closing Dates following the opening of your account for all Balance Transfers, Check Cash Advances, and Direct Deposits. After that, the APR for any balances
that were subject to the Introductory APR is 7.24% for Platinum Plus , 10.24% for Gold or 12.24% for Preferred
accounts. The Standard Variable APR for Balance Transfers is 7.24% for Platinum Plus , 10.24% for Gold or
12.24% for Preferred accounts. The Introductory APR will end sooner if your payment is late or the account balance
is over the credit limit. See and below for explanation.
Cash Advances: Standard Variable APR is 19.24% for all Direct Deposits, Check Cash Advances, ATM Cash
Advances, Bank Cash Advances, Overdraft Protection and Cash Equivalent transactions. See below for explanation.
Default APR: Up to 29.99% for all Purchase, Balance Transfer, and Cash Advance balances if late or overlimit. This
is not a variable rate. See below for explanation.
Variable-Rate Information
Your APRs may vary. For each billing cycle, we determine each APR by adding a margin to the prevailing U.S. Prime
Rate. The margin for the Standard APR for Purchases and Balance Transfers is 3.99% for Platinum Plus or 6.99%
Gold , or 8.99% for Preferred accounts. The margin for the Standard APR for Cash Advances is 15.99%. See below
for explanation.
Grace Period for repayment of balance for Purchases. At least 20 days from the statement Closing Date (provided you fully paid your New Balance Total from the previous statement by its Payment Due Date). See below for explanation.
Method of computing the
balance for Purchases
Average Daily Balance
(including new purchases).
Annual Fee None
Transaction fee for Purchases
Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such transaction
(minimum $10). See below for explanation.

Foreign Transactions
Transaction fee for any transaction made in a foreign currency and, as of June 1, 2009, any transaction made in U.S.
Dollars that is processed outside the United States: 3% of the U.S. Dollar amount of each such transaction. This fee
will be in addition to any other applicable fee.
Standard Balance Transfer Fee: None See below for explanation.
Standard Cash Advance Fees:
Direct Deposits and Check Cash Advances: None
ATM Cash Advances, Bank Cash Advances, and Cash Equivalent transactions: 3% of each such transaction
(minimum $10).
Overdraft Protection Cash Advances (if enrolled): 3% of each such cash advance (minimum $10).
Late Fee: Based on your balance as of the day the fee is assessed - $15 if $0 - $100; $29 if between $100.01 - $250; $39 if
$250.01 or over.
Overlimit Fee: Based on your balance as of the day the fee is assessed - $15 if $0 - $500; $29 if between $500.01 - $1000;
$39 if $1000.01 or over.
If your account has balances with different APRs, payments are applied to the balance with the lowest APR before
any payments are applied to balances with higher APRs. This means that balances with higher APRs are not
reduced until balances with lower APRs have been paid off.
The Introductory APR(s) is effective upon the opening of your account and does not apply to Cash Advances, other than Check Cash Advances and Direct Deposits. When the Introductory APR(s) ends, the Standard (non-introductory) Variable APR is calculated using the Variable-Rate Information and is applied to new and outstanding balances (consisting of Purchases and/or Balance Transfers, as applicable). If your payment is late or the account balance is over the credit limit, the
Standard Variable APR will be applied to those balances as of the first day of the billing cycle in which the payment was late
or the balance exceeded the credit limit. We reserve the right to change the APRs in our discretion including, for example,the margins.
When your minimum payment is either late (i.e., not received by 5 p.m., ET, on its Payment Due Date), or the account balance is over the credit limit, on any two occasions within 12 consecutive months, we may increase each of your account Standard Variable APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances with Variable APRs then below the Default APR. If a Default APR is applied to your account, then all APRs, including APRs then at or above the Default APR, will no longer vary.
The U.S. Prime Rate used to determine your APRs for each billing cycle is the highest rate appearing in The Wall Street
Journal on the last publication date of the calendar month that ends within that billing cycle. On December 31, 2008, the U.S. Prime Rate was 3.25%.
The number of days between your statement Closing Date and your Payment Due Date (the grace period) may vary from one billing cycle to another.
We include Transaction Fees when computing finance charges. Incurring Fees results in an APR exceeding 0% for the
billing statement on which those fees appear. The Daily Periodic Rate (DPR) will remain 0% as disclosed.
Check Cash Advances and Direct Deposits that post to your account after this promotional offer ends will be Cash
Advances with a 19.24% Standard Variable APR.
Cash Equivalent transactions are defined as money orders, foreign currency, and travelers checks from a non-financial institution, person to person money transfers, bets, lottery tickets, casino gaming chips and bail bonds.
AGREEMENT
By electronically transmitting this application, I agree to the conditions described below and to be bound by each
of the terms of the Credit Card Agreement, including arbitration:
I have read this application, and everything I have stated is true. I am at least 18 years of age or I am at least 21 years of age if a permanent resident of Puerto Rico. I authorize FIA Card Services, N.A. (hereinafter "you" or "your") to review my credit and employment histories and any other information in order to approve or decline this application, service my account, and manage your relationship with me. I consent to your sharing of information about me and my account with the organization, if any, endorsing this credit card program. I authorize you to share with others, to the extent permitted by law, such information and your credit experience with me. In addition, I may as a customer later indicate a preference to exempt my account from some of the information-sharing with other companies ("opt-out"). If I accept or use an account, I do so subject to the terms of this application, the "Details of Rate, Fee, and Other Cost Information," and the Credit Card Agreement (which includes an arbitration provision) as it may be amended; I also agree to pay all charges incurred under such terms. Any changes I make to the terms of this application will have no effect. I understand that based on mycreditworthiness my application may be approved for a Gold account or a Preferred account. The APRs and benefits for Gold accounts and Preferred accounts differ from each other and from Platinum Plus accounts. I accept that on a periodic basis my account may be considered for automatic upgrade at your discretion. I consent to and authorize you, any of your affiliates, or your marketing associates to monitor and/or record any of my phone conversations with any of your representatives.

*BALANCE TRANSFERS. If the total amount you request exceeds your credit line, we may either send full or partial
payment to your creditors in the order you provide them to us or we may send you Access Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur finance charges from the transaction date. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A. Certain restrictions apply to each benefit. Details accompany new account materials. Preferred card benefits differ from Platinum Plus benefits (i.e., coverage amounts vary and some benefits are not available).

¥ ¥ CREDIT PROTECTION PLUS TERMS AND CONDITIONS
Credit Protection Plus ("the Plan") is an optional product available on Your Bank of America credit card account. Whether or not You purchase the Plan will not affect Your application for credit or the terms of any existing credit agreement You have with Us.
•Benefits: In return for a Monthly Program Fee, the Plan can credit up to 18 Monthly Benefit Amounts in the event You incur an approved Hospitalization, Total Disability, Involuntary Unemployment, or Family Medical Leave. You can also receive Three (3) Monthly Benefit Amounts for any approved Life Event. In the event of Your Loss of Life, the Plan can credit a lump sum benefit amount equal to the outstanding balance on the Date of Loss or $25,000, whichever is less.
•Cost: The Monthly Program Fee is $.95 per $100 of Your Plan Balance up to $25,000. For Your convenience, the fee is automatically billed to Your credit card account. During months when there is no balance and no activity on Your credit card statement, there is no charge for the Plan that month.
•Eligibility Exclusions: There are eligibility requirements, conditions and exclusions that could prevent You from receiving benefits under the Plan. Please refer to the Addendum to the Credit Card Agreement for a full explanation of all requirements, conditions and exclusions.
•Termination: If, at any time during the first thirty (30) days after the date Your protection begins, You cancel the optional Plan, all Plan fees billed to Your account will be refunded via a credit to the protected card. You have the right to cancel the Plan at any time by making a telephonic or written request to the Plan Administrator. The Plan will automatically terminate under the following circumstances: You no longer have the Enrolled Account; Your Enrolled Account is closed due to account charge-off; You suffer a Loss of Life; Your Enrolled Account becomes 4 payments past due, You enter into a repayment plan for the Enrolled Account, or You conduct or attempt to conduct fraud relating to Plan benefits.
•The Plan Administrator is CSI Processing, LLC at Credit Protection Plus, P.O. Box 34888, Omaha, NE
68134-0888; (800) 242-6806 Monday - Friday, 7:00 a.m. - 10:00 p.m. Central Time.
The information contained in these disclosures is updated regularly, but may have changed since the last update. To find out what may have changed, you may contact Bank of America, for specific information by calling 1-800-932-2775 or by writing to P.O. Box 15020, Wilmington, DE 19850.
The Bank of America Privacy Policy is available at bankofamerica.com and accompanies the credit card.
***Online Banking service is only available in certain states.
Photo Expressions® Terms and Conditions
Bank of America reserves the exclusive right to determine whether to use any submitted photo on the Photo
Expressions card. Upon submitting your photo to Bank of America, you represent and certify that you have sole rights to use the photo and have obtained any necessary consent to allow Bank of America to alter, copy, print, distribute, prepare and to use the photo or derivative works of the photo on the Photo Expressions card.
You agree to return the Photo Expressions card to Bank of America immediately upon the request by Bank of
America. There is no charge to add Photo Expressions to your card nor is there a charge to request a different photo be added to your card.
This Credit Card program is issued and administered by FIA Card Services, N.A. Any account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by the issuer pursuant to license. Platinum Plus is a registered trademark of FIA Card Services, N.A. Bank of Opportunity, Total Security Protection, PhotoSecurity, Photo Expressions, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.
©2009 Bank of America Corporation.