Who is BankAmericard Visa Credit Card Designed For?
The BankAmericard Visa Credit Card is designed for people who want a simple, straightforward credit card with a low APR, a long 0% introductory rate on purchases and balance transfers, and no annual fee.
What are the Interest Rates for BankAmericard Visa Credit Card?
- BankAmericard Visa Credit Card has interest rates ranging from 10.99% to 20.99% APR for purchases and balance transfers, depending on credit. It has a 15-month 0% introductory rate on purchases and balance transfers. This is one of the longest 0% intro rate periods in the business. Cash advances come with an APR of 13.99% to 24.99%.
Heads us on the penalty rate! Cardholders who are late on a payment can be hit with a 29.99% penalty rate that will most likely stay with them for as long as the account is open.
What Are the Fees for BankAmericard Visa Credit Card Credit Card?
- The BankAmericard Visa 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 $35 fee on late payments and a $25 fee on returned payments.
What Is BankAmericard Visa Credit Card's Rewards Program Like?
BankAmericard Visa Credit Card doesn't have a rewards program.
What about BankAmericard Visa Credit Card's Signup Bonus?
BankAmericard Visa Credit Card doesn't have a signup bonus. This is a lean, mean, no gimmicks kind of card that doesn't even try to compete with the bonuses, rewards and other incentives offered by other credit cards.
Does BankAmericard Visa Credit Card Have Any Other Benefits?
BankAmericard Visa provides understated yet practical benefits, such as SafePass: a security feature that adds another security layer by requiring a 6-digit, one-time code every time you log in to your account; and ShopSafe, which makes shopping online safer.
How Is BankAmericard Visa Credit Card Better Than Other Credit Cards?
The BankAmericard Visa 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: one of the longest available, and follows that up with a low standard APR, once the intro rate expires. The top it off, It doesn't have an annual fee.
The BankAmericard Visa 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 Visa is certainly worth a second look.