BankAmericard Credit CardUnaffiliated
Strongly not recommended
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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.
Other Services by Bank of America
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Grace Period for Late Payment (Days)||25|
|No Annual Fee|
|Late Payment Penalty||$38|
|Returned Payment Fee||$27|
|Minimum Interest Charge||$1.50|
|Balance Transfer Fee %||3%|
|Balance Transfer Fee Minimum||$10|
|Foreign Currency Transaction Fee||3%|
|Credit Score Range||
700 - 850
850 300 700
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Free FICO Score|
|Credit Card Benefits||
|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)|
|Balance Transfer APR (Variable APR)||14.49% - 24.49%|
|Intro APR period (months)||15|
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