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3.7/5.0 from 90 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
- 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
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
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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 90 Reviews
Offer Rating
3.7 out of 5.0
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+88 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.
Related Card Offers
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Intro Purchase APR
0% for 18 months on Purchases
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Intro Balance Transfer APR
0% for 18 months on Balance Transfers
-
Regular Purchase APR
14.74% - 24.74% (Variable)
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See additional Citi® Diamond Preferred® Card details
See additional details for Citi® Diamond Preferred® Card
-
0% Intro APR
0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable APR.
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Rewards
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically*
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Cashback Match™
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.
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – only from Discover. 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.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- See Rates & Fees
See additional details for Discover it® Cash Back
-
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.
-
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
-
Regular Purchase APR
13.99% – 23.99% (Variable)
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- 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.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See additional Citi® Double Cash Card – 18 month BT offer details
See additional details for Citi® Double Cash Card – 18 month BT offer
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