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BankAmericard® Credit Card
BankAmericard<sup><sup>®</sup></sup> Credit Card
BankAmericard® Credit Card

BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 689 Offer Ratings
Over the Past 60 Days!

(689) Over the Past 60 Days!

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 689 Offer Ratings
Over the Past 60 Days!

(689) Over the Past 60 Days!

Great For

Card Details

Regular Purchase APR

12.99% - 22.99% Variable APR

Intro Purchase APR

0% Introductory APR on purchases for 15 billing cycles

Intro BT APR

0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days

Annual Fee

$0

Credit Needed

Excellent/Good

Card Brand

Mastercard®

Highlights
  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
Card Fees
  • Balance Transfer Fee

    $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)

  • Penalty APR

    None

  • Foreign Transaction Fee

    3%

Ongoing Information
  • Rewards Rate

    Non-rewards card

  • Annual Fee

    $0

Expert Reviews

  • 5.0 Regular APR
  • 4.5 Intro APR
  • 4.5 Fees
  • 4.5 Benefits
  • 4.5/5 Overall Rating
From the CompareCards.com Editorial Team

The BankAmericard® Credit Card is a pretty basic credit card with no complicated terms or conditions to sort through. This card offers the lowest annual percentage rate among all available BankAmericard products and additional benefits include SafePass, Chip Technology, Overdraft Protection, and more. 

For those interested in performing a balance transfer, you get 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days. After that, the on-going APR for both purchases and balance transfers is 12.99% - 22.99% Variable APR. What really makes this card stand out is that it is one of the only cards on the market with no intro balance transfer fee: $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)

With Bank of America, you always receive $0 liability fraud protection, use of their network of banking centers and ATMs, and have access to their award-winning Online Banking service. 

If you prefer the personal touch of a phone call when you apply for a credit card or have a question on your account, Bank of America goes the extra mile. You can expect an “an outstanding customer service experience” for the live phone channel, according to the May 2017 certification by J.D. Power.

The Good
  • The BankAmericard® Credit Card offers the winning combination of the intro APR, no annual fee, and $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
The Not so Good
  • If you are interested in earning rewards or cash back bonuses, this card is not the right choice for you.
The Bottom Line

With few fees and a long intro APR, the BankAmericard® Credit Card is one of the best options on the market for balance transfers.

Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of America.

Consumer Reviews
(689 Reviews)

Offer Rating

3.8 out of 5.0

5 Star
 
 
(125)
4 Star
 
 
(350)
3 Star
 
 
(159)
2 Star
 
 
(39)
1 Star
 
 
(16)

Your Rating

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+677 users submitted a rating without a full review

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52 Found this review helpful

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By: | May 9, 2017

I like Bankof America credit card

114 Found this review helpful

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By: | Mar 8, 2017

I have had this card for a long time and I really like that there are no fees at all for using it. I do wish that it had more options for cash back. I think it's a great starter card (which it was for me, I've had it since college).

131 Found this review helpful

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By: | Dec 11, 2016

I love the 0% on anything

119 Found this review helpful

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By: | Nov 25, 2016

I like this credit card.

1 Reply

By: Andrea Danny Abby | Nov 28, 2017

Hi there, thanks for this

124 Found this review helpful

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By: | Oct 16, 2016

I love this card I wish I had a card first before the other cards I have.

152 Found this review helpful

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By: | May 19, 2016

Good monitoring program. My card was hacked and they notified me right away ! conducted a immediate investigation and credited my card within 48 hours !

216 Found this review helpful

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By: | Feb 11, 2015

Description prescriber CREDIT SURVEY EXCELLENT SCORE 800

221 Found this review helpful

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By: | Oct 8, 2014

I've never had an issue with this card since I applied to it in 2007. Very reliable online banking and paying my balance is always simple and intuitive. Very responsive and friendly online chat customer service as well. I will stick with Bank of America for my next card in the future.

217 Found this review helpful

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By: | Oct 8, 2014

I have used this card for a while now, just recently got it. I know BOA get's a lot of flack but I need quick access to a bank with actual people in it so I choose BOA since it is closest to my home in case anything goes on. This card is the one I signed up for and it's pretty straightforward with nothing complicated. I actually prefer cards that don't have a bunch of gimmicky stuff because that can be pointless if you don't use it (I know gimmicks can be a big pull but if you aren't ever going to use them or keep track, they don't mean much). I would recommend this card.

182 Found this review helpful

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By: | Oct 8, 2014

This card is one of the best cards I've found! Its dependable and is exactly what it says it is!

178 Found this review helpful

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By: | Sep 22, 2014

JUST A GREAT CARD TO HAVE WITH YOU...

253 Found this review helpful

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By: | Sep 22, 2014

Greetings....have had this card for a couple of years know and have been pleasantly surprise. It's actually everything it's promised to be. Customer Service is iffy at best....but it is a bank.

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