
BankAmericard Credit Card
in Personal Credit Cards from Bank of America
Would you recommend BankAmericard Credit Card to your friends?
Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | 22.99% |
Balance Transfer APR (Variable APR) | 22.99% |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
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 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.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 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 should probably try with another card if your credit score is below 700.
The Good | The Bad |
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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:
- 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 higher than average purchase APRs.BankAmericard Credit Card has a variable purchase APR of 22.99%. The card has a variable balance transfer APR of 22.99% . It also has a variable cash advance APR of 25.99% .
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.
Description | |
---|---|
Balance Transfer APR | 22.99% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period (months) | 15 |
Balance Transfer Fee % | 0% |
Balance Transfer Fee % After Intro Period | 3% |
Balance Transfer Fee Intro Period (days) | 60 |
Balance Transfer Fee Minimum | $10 |
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.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period (months) | 15 |
What are the fees for BankAmericard Credit Card?
The following fees apply to BankAmericard Credit Card:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $29 |
Late Payment Fee | up to $40 |
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?
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.
Contact
- Headquarters
-
100 North Tryon Street
#170
Charlotte, NC 28255 - (800) 432-1000
- Visit Site
Other Services by Bank of America

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
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- Mississippi
- Missouri
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- New Hampshire
- New Jersey
- New Mexico
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- 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 |
BankAmericard Credit Card Community Reviews
Would you recommend BankAmericard Credit Card to your friends?
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