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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
Intro Balance Transfer APR | 0% for 15 months |
Regular Balance Transfer APR | 12.99%–22.99% Variable |
Balance Transfer Fee | $0 for first 60 days, then 3%, $10 minimum |
Penalty APR | N/A |
Late Fee | Up to $40 |
Returned Payment Fee | Up to $29 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | 3% |
Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 15.99%–25.99% Variable |
Cash Advance Fee | 3%, $10 minimum |
Bank of America has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe BankAmericard Credit Card for Students is a decent student credit card. There are no spending rewards.
The main attraction is the 0% introductory APR period for 15 months, for both purchases and balance transfers. You can use this intro period to pay off purchases or large balances over time, without accruing interest.
There’s no annual fee for this card. And foreign transactions have a 3% fee.