Rated 4.5/5.0 stars by our editorial team
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Those who always pay their balances in full and on time will usually come out ahead.
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- Regular APR 14.99% - 25.99% 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 Good / Excellent
- Card Brand Mastercard®
- Regular Purchase APR 14.99% - 25.99% 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 Good / Excellent
- Card Brand Mastercard®
Highlights
- Click APPLY NOW to apply online.
- New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Card Fees
Foreign Transaction Fee
3%
Balance Transfer Fee
5% of the amount of each transaction
Penalty APR
None
Ongoing Information
Rewards Rate
N/A
Annual Fee
$0
Expert Reviews
From the CompareCards.com Editorial Team, updated on Feb 13, 2026
The BankAmericard® credit card is a pretty basic credit card with no complicated terms or conditions to sort through.
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 14.99% - 25.99% Variable APR . A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
Expert Reviews of BankAmericard® credit card
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
OFFER RATING
/5.0
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Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
