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BankAmericard® Credit Card

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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

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

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Card Details

Rewards

This card does not offer rewards.

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

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

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

How balance transfers work

Cash Advances

Cash Advance APR 18.24%–25.24% Variable

Cash Advance Fee See Terms

Borrowing cash on your credit 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.

How cash advances work

Card Benefits

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

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Perks
Security

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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BankAmericard Credit Card

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