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3.7/5.0 from 36 Offer Ratings
Over the Past 60 Days!
Regular Purchase APR
15.24% - 25.24% 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 balance transfers made in the first 60 days
Typical Credit Needed
Foreign Transaction Fee
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Cash Advance Fee
$0 Fraud Liability
Auto Rental Insurance
Extended Warranty Program
Flight Accident Insurance
Lost Luggage Reimbursement
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 balance transfers made in the first 60 days. After that, the on-going APR for both purchases and balance transfers is 15.24% - 25.24% 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.
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.
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 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.
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.
3.7 out of 5.0