Rated 4.5/5 stars by our editorial team
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3.7/5.0 from 36 Offer Ratings
Over the Past 60 Days!
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Rated 4.5/5 stars by our editorial team
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Your Rating:
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
Annual Fee
$0
Card Brand
Mastercard®
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
$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
Regular APR
5.0
Intro APR
4.5
Fees
4.5
Benefits
4.5
Overall Rating
4.5 /5
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.
Regular APR
5.0
Intro APR
4.5
Fees
4.5
Benefits
4.5
Overall Rating
4.5 /5
3.7 out of 5.0
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By: Diane Elaine Harris | May 17, 2018
A M A Z I N G * * * * *
By: Charlie | Mar 8, 2016
Simple and easy to understand card. Helps with balance transfers from current cards.
on Capital One's secure site
Featured
Rated 4.5/5 stars by our editorial team
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Your Rating:
3.7/5.0 from 118 Offer Ratings
Over the Past 60 Days!
Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
Intro APR
0% for 15 Months on Purchases and Balance Transfers
Cash Back Details
No minimums for redeeming and cash back won't expire for the life of the account
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Capital One® Quicksilver® Cash Rewards Credit Card
Rated 4.5/5 stars by our editorial team
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Your Rating:
3.8/5.0 from 46 Offer Ratings
Over the Past 60 Days!
Intro Purchase APR
0%* for 12 months on Purchases*
Intro BT APR
0%* for 21 months on Balance Transfers*
Regular Purchase APR
16.24% - 26.24%* (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Simplicity® Card - No Late Fees Ever
on HSBC's secure site
Rated 4/5 stars by our editorial team
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Your Rating:
3.8/5.0 from 61 Offer Ratings
Over the Past 60 Days!
Intro Purchase APR
0% for 18 months
Intro Balance Transfer APR
0% for 18 months
Rates and Fees
No annual fee, no foreign transaction fee, and no penalty APR
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for HSBC Gold Mastercard® credit card
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Credit Card Balance Transfer Calculator:
ASSUMPTIONS:
The Credit Card Balance Transfer Calculator assumes the full balance of the credit card will be transferred to a 0% APR credit card and regular payments will be applied. The calculator also assumes a $0 balance transfer fee for certain cards that have a promotional introductory balance transfer fee. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. The actual savings does not take into account any fees or other charges by the card issuer. Please read all terms and conditions of the credit card offer carefully before making a decision. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
750 or Higher
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
700 or Higher
Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.
Between 600 - 659
Credit cards for fair credit are intended for those with a credit score between 600 - 659.
599 or Lower
Credit cards for bad credit are intended for those with a credit score of 599 or Lower.
- - -
Credit cards for no credit are intended for those without an established credit score.
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