Last Updated: 07/28/2025
SuperMoney User Recommendation Score +17
Mostly recommended6 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
12.99% - 22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.99% - 22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
BankAmericard Credit Card Review
This is a card issued by Bank of America. If you're wondering whether BankAmericard Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- APRs: BankAmericard Credit Card has a variable regular purchase APR that ranges from 12.99% up to 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 up to 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 excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of BankAmericard Credit Card
| The Good | The Bad |
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BankAmericard Credit Card FAQ
Does BankAmericard Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for BankAmericard Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.BankAmericard Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 22.99%. It also has a variable cash advance APR that ranges from 15.99% up to 28.99%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does BankAmericard Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.99% - 22.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 60 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does BankAmericard Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 18 months.
What are the fees for BankAmericard Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does BankAmericard Credit Card have a foreign transaction fee?
BankAmericard Credit Card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for BankAmericard Credit Card?
The customer service number for BankAmericard Credit Card is (800) 932-2775.
What is the support contact email for BankAmericard Credit Card?
The support contact email for BankAmericard Credit Card is customerservicealert@bankofamerica.com.
How do people rate the customer service and user experience of BankAmericard Credit Card?
Overall, BankAmericard Credit Card is mostly recommended based on community reviews that rate customer service and user experience.
Does BankAmericard Credit Card report your account activity to credit bureaus?
Yes, BankAmericard Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Bank of America perform a hard credit pull?
Yes, BankAmericard Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for BankAmericard Credit Card
- Visit the website of BankAmericard Credit Card.
- 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Credit Cards from Bank of America
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 23.9%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$59
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$89
Rating not yet determined
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$550
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +17, or 3.3 on a 5-point rating scale.
+17
-1000+100
No one recommends
Everyone recommends
BankAmericard Credit Card Community Reviews
Would you recommend BankAmericard Credit Card to your friends?
IF
Iryna F.
Oct 15, 2022
May or may not recommend
Bankamericard credit card is one of my favorites. They offer great entry promotions for 12 to 18 month 0% APR and credit limits offered are reasonable. Easy to manage with online banking. Customer service was great few times I needed it. Would definitely recommend.
SG
Santos G.
Jan 4, 2022
May or may not recommend
I have had a horrible experience with Bank of America credit card. I was behind on one payment and I reached out to the Bank of America and they provided me with no solution or payment plan that would allow me to become current on my payments. I was charged a late fee and the fees kept on spiraling out of control. Long story short they closed my account very ...Show More
WS
Warda S.
Feb 24, 2021
May or may not recommend
This was my first credit card. I love to see how they helped me to build my credit. They are excellent in their services. I always recommended Bank of America. It’s been years I’m using Bank of America and never have any complain. I the beginning they gave me secured credit card but after that they increase the limit and make it my first priority.
ST
Samuel T.
Oct 6, 2020
May or may not recommend
I have had my BankAmericard Credit Card for over six years now. It has been very useful to have when I dont have money at hand and need to make a quick purchase or when im travelling and need to book a flight or hotel. It is reliable and I have never had any issues with my card. Love it!
JP
Jacob P.
Oct 2, 2020
May or may not recommend
This card has an intro 0% APR comparable to many other companies but other than that this card doesn't offer much. I think if you already have an account with Bank of America and are looking to get started with a first credit card then this is a good choice but other than that it doesn't really offer much.
EE
Ed E.
Jun 22, 2020
May or may not recommend
BANK AMERICA ARE EXPLOITERS OF THE COVED19 TRAGEDY.
THEY HAD OFFERED ZERO INTEREST BALANCE TRANSFERS FOR MANY YEARS. HOWEVER THEY STOPPED OFFERING THOSE RATES IN MAY AND RAISED THEM TO 12%, THEY DID THIS KNOWING FULL WELL THAT MANY PEOPLE HAD TO RESORT TO LIVING OFF THEIR CREDIT CARDS TO SURVIVE THE LOCKDOWN SINCE THEY HAD NO INCOME.
B OF A IS KNOWN FOR THIS KIND BEHAVIOR. ESPECIALLY SINCE THE RISE OF ...Show More
Showing 6 of 6 reviews
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