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  BankAmericard Credit Card

BankAmericard Credit Card

in Personal Credit Cards from Bank of America

Unaffiliated

BankAmericard Credit Card

Unaffiliated

in Personal Credit Cards from Bank of America

Net Recommendation Score +25

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +25, equating to 3.5 on a 5 point rating scale.

+25

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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2 users recommend
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 12.99% - 22.99%
Balance Transfer APR  (Variable APR) 12.99% - 22.99%
Credit Score Range 700 - 850
Annual Fee $0

BankAmericard Credit Card Review

This is a credit card issued by Bank of America. If you're wondering whether BankAmericard Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
  • Competitive APRs. BankAmericard Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 60 days of opening the account. After the introductory period, the fee is 3%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. Bank of America is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of BankAmericard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No balance transfer fee, if you transfer the balance within 60 days. After the intro period, the fee is 3% with a minimum of $10.
  • 0% APR on new purchases during the first 18 months.
  • No annual fee.
  • Free access to your credit score.
  • Identity Theft Protection.
  • BankAmericard Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
BankAmericard Credit Card FAQ

Does BankAmericard Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the BankAmericard Credit Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for BankAmericard Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 22.99%. It also has a variable cash advance APR that ranges from 15.99% up to 28.99%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does BankAmericard Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.

BankAmericard Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 18 months
Balance Transfer APR 12.99% - 22.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%

Does BankAmericard Credit Card have an intro APR offer on new purchases?

BankAmericard Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 18 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 18 months.

What are the fees for BankAmericard Credit Card?

The following fees apply:

BankAmericard Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $29
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does BankAmericard Credit Card have a foreign transaction fee?

BankAmericard Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for BankAmericard Credit Card?

The BankAmericard Credit Card customer service number is (800) 932-2775.

What is the support contact email for BankAmericard Credit Card?

The support contact email for BankAmericard Credit Card is customerservicealert@bankofamerica.com.

How do people rate the customer service and user experience of BankAmericard Credit Card?

Overall, BankAmericard Credit Card is mostly recommended based on community reviews that rate customer service and user experience.

Does BankAmericard Credit Card report your account activity to credit bureaus?

Yes, BankAmericard Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for BankAmericard Credit Card

  • Visit the BankAmericard Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

View BankAmericard Credit Card's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 18 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 15.99% - 28.99%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 12.99% - 22.99%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer APR (Variable APR) 12.99% - 22.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Mastercard

BankAmericard Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +25, equating to 3.5 on a 5 point rating scale.

+25

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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