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  BankAmericard Credit Card

Best Of Product

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

BankAmericard Credit Card Review

BankAmericard Credit Card 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 is everything you need to know to make a good choice.

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers of 0% for up to 15 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 15 months.
  • Competitive APRs. BankAmericard Credit Card has a variable purchase APR of up to 25.24%.
  • 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 should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • BankAmericard Credit Card reports to multiple credit bureaus.
  • Free access to your credit score.
  • 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.

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

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

What are the BankAmericard Credit Card benefits?

BankAmericard Credit Card provides the following benefits:

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

What are the relevant APRs for BankAmericard Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BankAmericard Credit Card has lower than average purchase APRs.

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 on balance transfers??

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

BankAmericard Credit Card Balance Transfers
Description
Balance Transfer APR N/A
Introductory Rate N/A
Balance Transfer Intro APR Period (months) N/A

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

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

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 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 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.

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...

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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Returned Payment Fee Up to $28
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Late Fee Amount Up to $39
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Free FICO Score  
Cash Advance APR (Variable APR) 18.24% - 27.24%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 15.24% - 25.24%
Introductory Rate 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 15.24% - 25.24%

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