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

Card details

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% 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

Rates, fees & offers

  • Annual fee


  • Rewards rate

    No rewards

  • Bonus offer


  • Intro APR

    0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

  • Ongoing APR

    APR: 14.49% - 24.49% 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


Recommended credit score

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NerdWallet review

By Gregory Karp

Rating details


Editor's overall rating

Pros and cons

  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

  • No 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 Visa® credit card.)

For more, see our full review of the BankAmericard® credit card

User Reviews

Rating Details

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