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BankAmericard® credit card

BankAmericard® credit card


Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 643 Offer Ratings
Over the Past 60 Days!

(643) Over the Past 60 Days!

  • Regular Purchase APR 14.49% - 24.49% Variable APR
  • Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
  • Intro BT APR 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee $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 purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • 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

Foreign Transaction Fee 3%

Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.

Cash Advance Fee See Terms

Penalty APR None

Ongoing Information

Rewards Rate Non-rewards card

Annual Fee $0

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, you get 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After that, the on-going APR for both purchases and balance transfers is 14.49% - 24.49% 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. 

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.

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

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

The Good

The BankAmericard® credit card offers the winning combination of the intro APR and no annual fee making it a great choice for anyone looking for a simple credit card with low interest rates.

The Not so Good

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

Consumer Reviews

  • star rating mask

Offer Rating


643 Total Ratings

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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.

+627 users submitted a rating without a full review

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212 Found this review helpful

By: | Jan 14, 2018

This card is perfect. Lots of $$$ saved! Perfect for transfer balances!

124 Found this review helpful

By: | Jan 6, 2018

Low instrest rate and no fees, convenient for my use

69 Found this review helpful

By: | Dec 28, 2017

This card has exactly what I need.

117 Found this review helpful

By: | Dec 21, 2017

This is card has some great benefits but the APR can be higher is certain conditions. I is a good card for emergencies or to take on vacation as a back up. Having a back up can be important especially is you have children. Customer Service is really good also. I lost one while I was out of town and they cancelled and I had a new one in three days.

111 Found this review helpful

By: | May 9, 2017

I like Bankof America credit card

198 Found this review helpful

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).

201 Found this review helpful

By: | Dec 11, 2016

I love the 0% on anything

162 Found this review helpful

By: | Nov 25, 2016

I like this credit card.

1 Reply

By: Andrea Danny Abby | Nov 28, 2017

Hi there, thanks for this

177 Found this review helpful

By: | Oct 16, 2016

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

238 Found this review helpful

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 !

264 Found this review helpful

By: | Feb 11, 2015

Description prescriber CREDIT SURVEY EXCELLENT SCORE 800

287 Found this review helpful

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.

293 Found this review helpful

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.

236 Found this review helpful

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!

225 Found this review helpful

By: | Sep 22, 2014



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