Rated 4.5/5 stars by our editorial team
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3.8/5.0 from 50 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
12.99% - 22.99% Variable APR
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Intro Purchase APR
0% Intro APR for 18 billing cycles for purchases
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Intro BT APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- New Offer! $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 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, 12.99% - 22.99% 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
- Contactless Cards - The security of a chip card, with the convenience of a tap
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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
Yes
Roadside Assistance
No
Purchase Protection
Yes
Travel Assistance
No
Flight Accident Insurance
No
Lost Luggage Reimbursement
No
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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 any balance transfers made in the first 60 days. After that, the on-going APR for both purchases and balance transfers is 12.99% - 22.99% 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 50 Reviews
Offer Rating
3.8 out of 5.0
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+48 users submitted a rating without a full review
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By: Charlie | Mar 8, 2016
Simple and easy to understand card. Helps with balance transfers from current cards.
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Intro Purchase APR
0% for 12 months on Purchases
-
Intro Balance Transfer APR
0% for 21 months on Balance Transfers
-
Regular Purchase & BT APR
13.74% - 23.74% (Variable)
-
Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
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Sign Up Bonus
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
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Rewards Rate
Earn unlimited 2% cash rewards on purchases
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Extra Perks
No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
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- Select “Apply Now” to learn more about the product features, terms and conditions
- See Rates & Fees
See additional details for Wells Fargo Active Cash℠ Card
-
Sign-up Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
-
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
-
Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 13.99% – 23.99% (Variable)
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- See additional Citi Custom Cash℠ Card details
See additional details for Citi Custom Cash℠ Card
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