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BankAmericard Credit Card

in Personal Credit Cards from Bank of America

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BankAmericard Credit Card

Unaffiliated

in Personal Credit Cards from Bank of America

SuperMoney Net Recommendation Score -100% 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.

Strongly not recommended

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0 users are unsure
2 users don't recommend
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Highlights
Highlights
Community Rating Strongly not recommended
Purchase APR 14.49% - 24.49%
Balance Transfer APR 14.49% - 24.49%
Annual Fee $0
Credit Score Range 700 - 850

Overview

Who is this credit card designed for?

BankAmericard Credit Card is a credit card issued by Bank of America, which is based in Charlotte, NC. 

BankAmericard Credit Card is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. 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.

What are the relevant APRs?

BankAmericard Credit Card has a variable purchase APR that ranges from 14.49% up to 24.49%.

The card has a variable balance transfer APR that ranges from 14.49% up to 24.49%.

It also has a variable cash advance APR that ranges from 17.49% up to 26.49%.

Is an introductory APR offer available?

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

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

What are the fees?

The following fees apply to BankAmericard Credit Card:

  • There is no annual fee.
  • A late payment penalty of up to $38.
  • BankAmericard Credit Card does not charge a returned payment fee.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

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

Is a signup bonus offered?

BankAmericard Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

BankAmericard Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 BankAmericard Credit Card provides the following benefits:

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

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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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

Grace Period for Late Payment (Days) 25
Annual Fee $0
No Annual Fee  
Returned Payment Fee $27
Minimum Interest Charge $1.50
Late Fee Amount $38
Balance Transfer Fee % 3%
Balance Transfer 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
Fraud Liability  
Free FICO Score  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Purchase APR (Variable APR) 14.49% - 24.49%
Cash Advance APR (Variable APR) 17.49% - 26.49%
Balance Computation average daily balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 14.49% - 24.49%
Introductory Rate 0%
Intro APR period (months) 15

Reviews

 
 

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