Skip to content

BankAmericard® Credit Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The BankAmericard is pretty simple, featuring a long 0% intro APR for purchases and balance transfers, giving you time to pay interest-free. There aren’t any rewards, but there’s no annual fee either and you can check your FICO credit score based on your TransUnion credit report.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 12.99%–22.99% Variable
Intro Balance Transfer APR: 0% for 18 billing cycles
Intro Purchase APR: 0% for 18 billing cycles

BankAmericard® Credit Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features

Balance Transfers

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 18 billing cycles
Regular Balance Transfer APR 12.99%–22.99% Variable
Balance Transfer Fee 3%, $10 minimum
How to Transfer a Balance on a Credit Card


Penalty APR None
Late Fee Up to $40
Returned Payment Fee Up to $29
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

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%–28.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
BankAmericard® Credit Card


  • 0% APR for purchases and balance transfers for 18 billing cycles made in the first 60 days. After the intro APR offer ends, 12.99%–22.99% 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

Bank of America

Bank of America has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-932-2775 or

Try a different phone number
See all Issuer Cards

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 18 billing cycles. This rate applies to balance transfers made within the first 60 days.

After the 0% rate runs out, a regular rate of 12.99%–22.99% Variable will apply for purchases and balance transfers.

This card has no annual fee.

Insider tip

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.

Scroll to top