BankAmericard® credit card

BankAmericard® credit card

on Bank of America's website, or call (800) 322-7707

BankAmericard® credit card

BankAmericard® credit card

BankAmericard® credit card

on Bank of America's website, or call (800) 322-7707

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Card details

  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance 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.

  • Contactless Cards - The security of a chip card, with the convenience of a tap.

  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    No rewards

  • Bonus offer

    None

  • Intro APR

    0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days

  • Ongoing APR

    APR: 15.74%-25.74% Variable APR

    Cash Advance APR: See Terms

  • Balance transfer fee

    Either $10 or 3% of the amount of each transaction, whichever is greater.

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$75

Annual fee

$0

Regular APR

15.74%-25.74% Variable APR

Regular APR

19.74%-27.74% Variable APR

Regular APR

16.99%-24.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days

Intro APR

N/A

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Gregory Karp

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

Cons
  • Requires good/excellent credit

  • No ongoing rewards

The BankAmericard® credit card is one of the better balance-transfer credit cards on the market: The fee for balance transfers is 3% (with a minimum of $10). Combined with its $0 annual fee and its introductory APR period (see terms), it gives you plenty of breathing room to pay down debt without interest or fees.

(Note: the BankAmericard® credit card is different from the Bank of America® Cash Rewards credit card and the Bank of America® Travel Rewards credit card.)