Who is BankAmericard Credit Card Designed For?

The BankAmericard Credit Card is designed for people who want a simple, straightforward credit card with a low APR, a long 0% APR introductory rate on balance transfers, and no annual fee.

What are the Rates for BankAmericard Credit Card?

BankAmericard Credit Card has rates ranging from 11.49% APR to 21.49% APR for purchases and balance transfers, depending on credit. It has an 18-month 0% APR introductory rate on balance transfers. This is one of the longest intro rate periods in the business. Cash advances come with a rate of 14.49% APR to 25.49% APR.

Heads up on the penalty rate! Cardholders who are late on a payment can be hit with a 29.99% APR penalty rate that will most likely stay with them for as long as the account is open.

What Are the Fees for BankAmericard Credit Card?

The BankAmericard Credit Card has no annual fee. However, it does have a 3% foreign transaction fee, a $10 or 3% (whichever is greater) cash advance fee, a $10 or 3% balance transfer fee, and a $10 or 5% fee on wire transfer purchases with non-financial institutions, such as Western Union or MoneyGram. There is also $37 fee on late payments and a $27 fee on returned payments.

What Is BankAmericard Credit Card's Rewards Program Like?

BankAmericard Credit Card doesn't have a rewards program.

What about BankAmericard Credit Card's Signup Bonus?

BankAmericard Credit Card doesn't have a signup bonus. This is a lean, mean, no gimmicks kind of card that doesn't offer bonuses, rewards, or perks. 

Does BankAmericard Credit Card Have Any Other Benefits?

BankAmericard provides understated yet practical benefits such as $0 liability guarantee and a ShopSafe service, which provides a temporary credit card number so your real number is protected while you shop online.

How Is BankAmericard Credit Card Better Than Other Credit Cards?

The BankAmericard Credit Card doesn't offer much in the way of rewards and benefits, but it is great at what it does do. It has an 18-month 0% intro rate on balance transfers: one of the longest available. Once the intro rate expires, it continues offering a low standard APR.

The BankAmericard doesn't have a rewards program or a signup bonus, but if you're looking for a no-hassle, low APR credit card with no annual fee and a long intro rate, the BankAmericard is certainly worth a second look.

  • Credit Score Range
    700 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • Foreign Currency Transaction Fee
  • No Annual Fee
  • Card Type
    • Low APR
    • Balance Transfer
  • Card Network
  • Fraud Liability
  • Free FICO Score
  • Penalty APR
  • Purchases APR (variable)
    11.49% - 21.49%
  • Transfer Fee
    3% ($10 minimum)
  • Balance Transfer APR (variable)
    11.49% - 21.49%
  • Intro APR period (months)
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