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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:

4.0/5.0 from 137 Offer Ratings
Over the Past 60 Days!

(137) Over the Past 60 Days!

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  • Regular APR 15.49% - 25.49% Variable APR
  • Intro Purchase APR 0% Intro APR for 21 billing cycles for purchases
  • Intro BT APR 0% Intro APR for 21 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 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee 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.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% of the amount of each transaction.

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 Yes

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 21 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 15.49% - 25.49% 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

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