Add cards to start comparing.

Compare Cards
Trust & Security
  • Norton Secured
  • BBB logo
  • DigiCert
Featured On
  • CNN Money logo
  • Forbes logo
  • The Wall Street Journal logo
  • USA Today logo
  • The New York Times logo
  • PBS logo

BankAmericard® Credit Card

BankAmericard® Credit Card


Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 272 Offer Ratings
Over the Past 60 Days!

(272) Over the Past 60 Days!

  • Regular Purchase APR 11.24% - 21.24% Variable APR
  • Intro Purchase APR N/A
  • Intro BT APR 0% on qualifying balance transfers for 18 billing cycles
  • Annual Fees $0
  • Credit Needed


  • Card Brand MasterCard

Card Details


  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone
  • Access your FICO® Score for free within Online and Mobile Banking

Card Fees

Late Payment Fees Up to $37

Foreign Transaction Fee 3%

Balance Transfer Fee Either $10 or 3%, whichever is greater

Cash Advance Fee See Terms*

Returned Payment Fee Up to $27

Penalty APR Up to 29.99%, based on your creditworthiness

Minimum Interest Charge $1.50

Ongoing Information

Rewards Cap Non-rewards card

Rewards Rate Non-rewards card

Annual Fee $0

Grace Period 25 Days

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the 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, get 0% intro APR on qualifying balance transfers for 18 billing cycles if completed within the first 60 days. After that, the on-going APR for both purchases and balance transfers is 11.24% - 21.24% Variable APR.

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. 

Expert Reviews of the BankAmericard® Credit Card

  • 5.0

    Regular APR

  • 4.5

    Intro APR

  • 4.5


  • 4.5


  • star rating 4.5/5

    Overall Rating

The Bottom Line

This is a good choice if you like a simplified credit card. Cash advance rates are slightly lower than the average rates of other credit cards on the market today.

The Good

This BankAmericard® credit card offers $0 liability fraud protection, which helps protect card users from fraudulent transactions.

The Not so Good

The customer service for Bank of America has often received mediocre reviews, but that’s no different than most large-sized banks. If you are interested in earning rewards or cash back bonuses, this card is not the right choice for you.

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 have not been reviewed, approved or otherwise endorsed by Bank of America.

Consumer Reviews

  • star rating mask

Offer Rating


272 Total Ratings

5 Star
4 Star
3 Star
2 Star
1 Star

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+264 users submitted a rating without a full review

Sort by:

1 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Oct 16, 2016

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

9 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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 !

88 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Feb 11, 2015

Description prescriber CREDIT SURVEY EXCELLENT SCORE 800

90 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

81 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

61 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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!

59 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Sep 22, 2014


120 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

Back to top ↑