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BankAmericard® credit card

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on Bank of America's secure site

BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 22 Offer Ratings
Over the Past 60 Days!

(22) Over the Past 60 Days!

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  • Regular Purchase APR

    14.99% - 24.99% 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

    500

    600

    700

    750

    850

  • 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, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to 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

  • Regular APR

    5.0

  • Intro APR

    4.5

  • Fees

    4.5

  • Benefits

    4.5

  • Overall Rating

    4.5 /5

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 14.99% - 24.99% 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.

Expert Reviews of the BankAmericard® credit card

  • Regular APR

    5.0

  • Intro APR

    4.5

  • Fees

    4.5

  • Benefits

    4.5

  • Overall Rating

    4.5 /5


Consumer Reviews 22 Reviews

Offer Rating

3.8 out of 5.0

5 Star
 
 
(4)
4 Star
 
 
(11)
3 Star
 
 
(6)
2 Star
 
 
(1)
1 Star
 
 
(0)

Your Rating

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+20 users submitted a rating without a full review

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By: | May 17, 2018

A M A Z I N G * * * * *

By: | Mar 8, 2016

Simple and easy to understand card. Helps with balance transfers from current cards.


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