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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

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 15.24% - 25.24%
Balance Transfer APR  (Variable APR) 15.24% - 25.24%
Credit Score Range 700 - 850

BankAmericard Credit Card Review

BankAmericard Credit Card is a credit card issued by Bank of America. 

This card is designed for people with good credit. The minimum credit score to apply is 700. Bank of America is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit. If you're wondering whether BankAmericard Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a BankAmericard Credit Card cash back or rewards program?

No, BankAmericard Credit Card does not offer a rewards program.

BankAmericard Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the BankAmericard Credit Card benefits?

BankAmericard Credit Card provides the following benefits:

  • Free Credit Score
  • Fraud Liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for BankAmericard Credit Card?

BankAmericard Credit Card has a variable purchase APR that ranges from 15.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 25.24%.

It also has a variable cash advance APR that ranges from 18.24% up to 27.24%.

Does BankAmericard Credit Card have an introductory APR offer?

Yes, BankAmericard Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

BankAmericard Credit Card Balance Transfers
Description
Balance Transfer APR 15.24% - 25.24%
Introductory Rate 0%
Intro APR period (months) 15
BankAmericard Credit Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 15.24% - 25.24%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR 18.24% - 27.24%
Security Deposit N/A
Introductory Rate 0%
Intro APR period (months) 15

What are the BankAmericard Credit Card fees?

The following fees apply to BankAmericard Credit Card:

BankAmericard Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
Returned Payment Fee up to $28
Late Payment Fee up to $39

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 a foreign transaction fee.

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

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 can help improve your credit score.

How to apply for BankAmericard Credit Card

  • Visit the Bank of America website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

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...

Availability

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

No Interest Grace Period for Late Payment 25
Annual Fee $0
No Annual Fee  
Returned Payment Fee Up to $28
Minimum Interest Charge $1.50
Late Fee Amount Up to $39
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Minimum Age 18
Co-signing Allowed  
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Card Network
  • Mastercard
Fraud Liability  
Free FICO Score  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Purchase APR (Variable APR) 15.24% - 25.24%
Cash Advance APR (Variable APR) 18.24% - 27.24%
Balance Computation average daily balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 15.24% - 25.24%
Introductory Rate 0%
Intro APR period 15

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