The BB Americas Platinum Plus is a Visa® Platinum card designed for individuals with excellent credit. With no annual fee and a 0% introductory APR for the first 12 months, it offers a valuable opportunity to manage purchases and balance transfers with no interest. After the promotional period, the regular APR varies between 16.24% and 18.00% depending on credit history.
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This card is globally accepted and charges no foreign transaction fees, making it perfect for international use. Every dollar spent earns 1 point in the UChoose Rewards program, which can be redeemed for cashback or other rewards, depending on eligibility.
Main features of BB Americas Platinum Plus
This is a Platinum-level credit card with a strong suite of features for high-credit applicants. It is issued under the Visa® network, ensuring worldwide acceptance. One of its biggest advantages is the $0 annual fee, paired with benefits typically found in higher-tier cards.
Approval requirements
To qualify, applicants must have an excellent credit score—typically in the 801–900 range. Only current BB Americas Bank customers are eligible. A valid Social Security Number is required for domestic applications. There is no clear mention of credit bureau checks like SPC/Serasa, but U.S. creditworthiness is key to approval.
Benefits of BB Americas Platinum Plus
Cardholders earn 1 point for every US$1 spent through the UChoose Rewards program. Points are valid for up to two years, with a maximum of 100,000 points per year. Non-residents may only redeem points for cashback credits, while U.S. citizens and residents can access the full rewards catalog.
Exclusive highlight
This card stands out by offering four complimentary Priority Pass™ airport lounge visits annually. Combined with no foreign transaction fees and Visa® protection services, this benefit makes the card an exceptional travel companion at no annual cost.
Drawbacks and points of attention of BB Americas Platinum Plus
One key drawback is that only existing BB Americas Bank customers can apply, limiting accessibility. Additionally, non-residents are restricted to cashback redemptions, reducing the appeal of the rewards program for international users.
Although the card offers a 0% intro APR, the standard APR of 16.24%–18.00% after that period may be considered high. Some users may also miss features like rotating partner offers or extensive lifestyle perks found in other premium cards.
Step-by-step guide to apply
To apply, you must first be a BB Americas Bank customer. Log in to your online banking account and complete the credit card application form. A valid Social Security Number is required. After submission, a credit analysis will take place. Most applicants receive a decision within a few business days.
Who is BB Americas Platinum Plus best for?
This card is ideal for individuals with excellent credit who frequently travel abroad and want a premium-level card without paying annual fees. It’s especially suitable for those who already bank with BB Americas and want added value through rewards and travel perks.
Compared to other cards, the BB Americas Platinum Plus competes well in the no-fee segment, particularly for travel-focused users. However, alternatives like the Chase Sapphire Preferred or American Express Gold may be better for those wanting broader redemption options and more luxury features.
