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BankAmericard Credit Card

in Personal Credit Cards

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BankAmericard Credit Card

Unaffiliated

in Personal Credit Cards

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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Overview

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 purchases and balance transfers, and no annual fee.

What are the Rates for BankAmericard Credit Card?

BankAmericard Credit Card has rates ranging from 14.49% APR to 24.49% APR for purchases and balance transfers, depending on credit. It has a 15-month 0% APR introductory rate on purchases and balance transfers. Cash advances come with a rate of 17.49% APR to 26.49% APR.

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 $38 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 a 15-month 0% intro rate on purchases and balance transfers. 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.

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

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
Late Payment Penalty
$38
Returned Payment Fee
$27
Minimum Interest Charge
$1.50
Foreign Currency Transaction Fee
3%
Minimum Age
18
Co-signing Allowed
Credit Score Range
700 - 850
850 300 700
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%
0% 29%
Cash Advance APR
(Variable APR)
17.49% - 26.49%
8% 27%
Balance Computation
average daily balance (including new purchases)
Introductory Rate
0%
Balance Transfer APR
(Variable APR)
14.49% - 24.49%
8% 29%
Transfer Fee
3%
Transfer Fee %
3%
Transfer Fee Minimum
$10
Introductory Rate
0%
Intro APR period (months)
15

Reviews

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