If you’re looking for a reliable, internationally accepted credit solution that caters to frequent travelers and premium benefits, this option from BB Americas Bank may be what you need. Designed for U.S. citizens and permanent residents with excellent credit, it combines travel perks, no foreign transaction fees, and a rewarding points program.
In this article, we’ll take a deep dive into the features, pros, and cons of the BB Americas Platinum Plus. We’ll also guide you through the application process and help you understand who benefits the most from this offering. Check now!
Main features of the BB Americas Platinum Plus
This is a Platinum-tier card issued by BB Americas Bank and backed by the Visa® network. It’s widely accepted across the globe and crafted for those who prioritize both international flexibility and exclusive advantages. The best part? There’s no annual fee. Cardholders enjoy an introductory 0% APR on purchases and balance transfers for the first 12 months. After that, a variable APR applies, starting at 16.24%.
Eligibility criteria
To be eligible, you must already have a banking relationship with BB Americas. Applicants must also be U.S. citizens or permanent residents and maintain excellent credit—ideally a Vantage score between 801 and 900. There’s no specific mention of credit bureau checks like SPC or Serasa, but due to the high-tier nature of the card, a strong financial history is essential. It’s tailored for individuals with a proven credit track record and a stable income.
Advantages of the BB Americas Platinum Plus
- Priority Pass™ access: Four complimentary VIP airport lounge visits per year.
- No foreign transaction fees: Ideal for those who shop or travel abroad.
- Points program: Earn 1 point per $1 spent; redeemable through UChoose Rewards.
- Fraud protection: Zero liability on unauthorized purchases.
- Emergency card services: Includes plastic replacement and cash advance in urgent cases.
- Additional cards: Add authorized users and share the credit limit responsibly.
- Automated payments: Avoid late fees with monthly auto-pay options.
Standout advantage
A standout feature is the combination of zero foreign transaction fees and VIP lounge access—a rare duo in a card with no annual fee. It caters especially well to frequent flyers looking for premium travel experiences without heavy costs.
Addressing potential drawbacks
While the BB Americas Platinum Plus offers strong travel perks, the card is only available to existing clients. This limitation may deter potential applicants without a current relationship with the bank. Another consideration is the relatively modest rewards rate. At 1 point per dollar, it lags behind other cards offering bonus categories or higher earning potential. Users focused on maximizing points may find better alternatives.
How to apply for the BB Americas Platinum Plus
The process is simple but restricted. You’ll need to log into your BB Americas Bank account to begin the application. From there, submit your information for a credit review. If approved, you’ll receive a response typically within a few business days. Note that a valid Social Security Number is required for domestic applications. For international secured versions, a CD account or secured checking account must be opened as collateral.
Who is the BB Americas Platinum Plus card ideal for?
This card is perfect for high-credit individuals who are already BB Americas clients and value travel benefits like lounge access and no international fees. Frequent travelers, especially those heading abroad, will appreciate the cost savings and convenience. However, if you’re looking for higher rewards or aren’t yet a BB Americas customer, other premium travel cards might offer more flexible entry points and enhanced loyalty programs.
