Rated 4.5/5 stars by our editorial team
Click the stars to submit your rating.
Thanks for rating!
3.7/5.0 from 36 Offer Ratings
Over the Past 60 Days!
BankAmericard® credit card
-
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®
Highlights
- Click "APPLY NOW" to apply online or call 800-821-8754
- NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) 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
Card Fees
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
Additional Card Details
$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
Expert Reviews
From the LendingTree.com 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 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.
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 36 Reviews
Offer Rating
3.7 out of 5.0
| 5 Star |
|
(7) |
|---|---|---|
| 4 Star |
|
(16) |
| 3 Star |
|
(10) |
| 2 Star |
|
(2) |
| 1 Star |
|
(1) |
+34 users submitted a rating without a full review
Sort by:
By: Charlie | Mar 8, 2016
Simple and easy to understand card. Helps with balance transfers from current cards.
Related Card Offers
-
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®
Highlights
- Click "APPLY NOW" to apply online
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
See additional details for Capital One® Quicksilver® Cash Rewards Credit Card
-
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®
Highlights
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- The same great rate for all balances, after the introductory period
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
See additional details for Citi Simplicity® Card - No Late Fees Ever
-
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®
Highlights
- Click "APPLY NOW" to apply online
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
- See Rates & Fees
See additional details for HSBC Gold Mastercard® credit card
There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.