BankAmericard® Credit Card


The BankAmericard® Credit Card is a basic low interest credit card provided by Bank of America, and is one of the better cards for balance transfers.

Cardholders will get 0% APR for purchases and balance transfers for 15 billing cycles. This rate applies to balance transfers made within the first 60 days, and there’s also no balance transfer fee for any transfers made in the first 60 days. That’s a pretty exceptional offer because most cards charge a 3% or 5% fee.

After the 0% rate runs out, a regular rate of 15.24%–25.24% Variable will apply for purchases and balance transfers.

This card has no annual fee.

Fun fact: The BankAmericard was the name of the first ever credit card, way back in 1958. It doesn’t bear much relation to this current incarnation, except for the name.
Card Quick Facts

Card Quick Facts

  • 0% APR for purchases and balance transfers for 15 billing cycles made in the first 60 days. After the intro APR offer ends, 15.24%–25.24% Variable,
  • No balance transfer fee for the first 60 days; 3% fee (min $10) after that for all 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

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.24%–25.24% Variable
Intro Purchase APR 0% for 15 billing cycles
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $28
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 15 billing cycles
Regular Balance Transfer APR 15.24%–25.24% Variable
Balance Transfer Fee $0 for first 60 days, then 3%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 18.24%–25.24% Variable
Cash Advance Fee See Terms

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Visa Benefits

    You will be provided with a list of benefits available to you once you’re approved for the card.

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile Banking

    Pay your credit card bill online, transfer funds, check available credit and more.

  • Text Banking

    Send a text and get important account information.

  • Free FICO® Credit Score

    Get free access to your FICO® Score 8 from TransUnion, updated monthly.

  • Overdraft Protection

    Link a Bank of America account to your card and prevent declined purchases and return checks if you take out too much money from your account.

  • ShopSafe®

    Protection when you are shopping online.

  • Zero Liability Fraud Guarantee

    You are not held responsible for unauthorized transactions on your card.

  • Fraud Protection

    Potential fraud is blocked if abnormal patterns are detected and you will be alerted if fraudulent activity is suspected.

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