BankAmericard® Credit Card
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Highlights & Features
Balance Transfers
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.
| 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 |
Fees
| Penalty APR | None |
| Late Fee | Up to $39 |
| Returned Payment Fee | Up to $28 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | 3% |
Cash Advances
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.
| Cash Advance APR | 18.24%–25.24% Variable |
| Cash Advance Fee | See Terms |
BankAmericard® Credit Card
Highlights
- 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
ABOUT THE ISSUER
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 websiteThe 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.
