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BankAmericard® credit card
BankAmericard® credit card Review
With few fees and a long intro APR, the BankAmericard® credit card is one of the best options on the market for balance transfers.
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.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
BankAmericard® credit card
SIGN-UP BONUS
N/A
REWARDS RATE
N/A
Intro Purchase APR
0% Intro APR for 21 billing cycles for purchases, After the intro APR offer ends, 14.99% - 25.99% Variable APR will apply.
Intro Balance Transfer APR
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days, After the intro APR offer ends, 14.99% - 25.99% Variable APR on balance transfers 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 Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Annual Fee
$0
Card Brand
Mastercard®
Recommended Credit Score
Good / ExcellentHighlights
- 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.
Additional Info
Foreign Transaction Fee
3%
Balance Transfer Fee
5% of the amount of each transaction
Expert Review
Editor's Overall Rating
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.
From the LendingTree editorial team, updated on Mar 05, 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.
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.
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.
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.
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Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 17.49% - 26.49% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
17.49% - 26.49% Variable APR
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Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
17.49% - 27.49% (Variable)
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on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.49% - 26.49% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
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.