BankAmericard® credit card
on Bank of America's website, or call (800) 322-7707
BankAmericard® credit card
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
Annual fee$0 | Annual fee$75 | Annual fee$0 |
Regular APR15.74%-25.74% Variable APR | Regular APR19.74%-27.74% Variable APR | |
Intro APR0% 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 APRN/A | Intro APR0% intro APR on purchases for 12 months from the date of account opening |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
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.)
For more, see our full review of the BankAmericard® credit card
