BankAmericard® credit card Review

By Thomas Donaldson

A simple card with no annual fee and 0% intro APRs, the BankAmericard® credit card is a solid choice for anyone looking to save money by avoiding high interest rates.

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BankAmericard^® credit card

(44 reviews)

Current Offer

0% Introductory APR on purchases for 12 billing cycles & 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

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Intro Balance Transfer APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
12.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Product Details

Click "APPLY NOW" to apply online
0% Introductory APR for 12 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

Click "APPLY NOW" to apply online
0% Introductory APR for 12 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

Top Rated For

Best Balance Transfer Credit Cards

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

4/ 5

By Our Editorial Team

Key Benefit

A low interest card like this can be a lifesaver if you need to make a big purchases or transfer a balance

Editor

The BankAmericard® credit card is a no-frills low interest credit card designed to help consumers save money. Where this card stands out is with it's low introductory interest rates; cardholders receive 0% Introductory APR on purchases for 12 billing cycles as well as 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days. Also, there is no annual fee associated with this card.

Those 0% intro APR periods make the BankAmericard® credit card a solid choice for anyone looking to save money with a low interest credit card. The introductory rate on purchases could come in handy if you need to make a large purchase and want to stretch out your payments interest free over a longer period of time. Likewise, the 0% intro APR on balance transfers can help you escape high interest rates you might be getting charged on another credit card.

After the intro period, the ongoing interest rate is 12.99% - 22.99% Variable APR on purchases and balance transfers, which is pretty competitive. In addition to there being no annual fee, there's also no penalty APR and cardholders can access their FICO® Score for free within the Bank of America Online Banking or Mobile Banking app.

Pros & Cons

Pros

Save money with the lengthy 0% intro APR period
Pay no annual fee and no penalty rate
Enjoy access to your FICO® Score for free to track your credit progress

Cons

There is no rewards program with the credit card
There is a balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater