GET.com's Review of BankAmericard® credit card
|Highlights||Credit Card Feature|
|Things We Like||0% intro APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days|
|Our Least Favorite||No rewards program|
|Our Verdict||Great card for balance transfers made in the first 60 days.|
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- Intro APR
0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days
- Annual Fee
- Regular APR
15.24% - 25.24% Variable APR
- Credit Required
BankAmericard® credit card is a lower interest rate credit card provided by Bank of America that gives you a lower introductory APR on qualifying balance transfers. This Mastercard has no annual fee and offers additional perks. If you are looking for a Bank of America® card with a low APR and a good introductory APR offer for balance transfers, read my detailed BankAmericard® credit card review below so that you can see if this card suits your needs, or if there's a better card for you.
Things We Like About BankAmericard® credit card
No annual fee. You don't have to pay anything to be a card member.
Enjoy 0% intro APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days. There is a balance transfer fee of 3% of the amount of each transaction or $10, whichever is greater. All balances transferred to this card after the first 60 days will have a 15.24% - 25.24% variable APR. Do you have any store or bank card debts? If so, you should consider doing a balance transfer to this card so that you can repay that balance within the interest-free period.
Competitive APR after the introductory rate. With this card, you will enjoy a lower interest rate on purchases and balance transfers even after the introductory period has ended, with a 15.24% - 25.24% variable APR, depending on your creditworthiness.
$0 Liability Guarantee. If your card is used by others to make fraudulent transactions you will not be held responsible, provided that you didn't share your account and personal information with anyone and that you can provide the requested information.
Text and mobile banking. You will have to enroll in Online Banking to enjoy the mobile banking service, and wireless fees may apply. Don't forget that your cell phone service might charge you for receiving and sending messages, although you won't be charged by Bank of America for the text banking service.
Account alerts. Receive alerts in the form of text messages to help you keep track of your credit card spending. Keep in mind that your mobile service may charge you when receiving these messages.
Museums on Us®. On the first full weekend of each month, you can enjoy free entry to any of over 200 participating cultural institutions nationwide, including museums, zoos and other exhibits. All you have to do to get free entry is show your BankAmericard® credit card and a photo ID. Places you can visit include The Metropolitan Museum of Art (New York), Denver Zoo, Delaware Museum of Natural History, the Museum of Contemporary Art (Miami) and Houston Zoo. A handy web tool helps you find a participating museum near you.
Chip technology. This credit card comes with chip technology that lets you use it almost anywhere in the world. This technology provides enhanced security at merchant terminals that are chip-enabled.
Our Least Favorite Things About BankAmericard® credit card
No rewards program. When making purchases with this card, you won't earn any type of rewards, points, cash back or miles. In my opinion, Bank of America® Cash Rewards credit card (read our review of Bank of America® Cash Rewards credit card here) is a much better card as it lets you earn cash back when you use it to make purchases. You can also check out our best rated cash back cards for 2019.
How Other Cards Compare With BankAmericard® credit card
|Intro APR:||0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days|
|Regular APR:||15.24% - 25.24% Variable APR|
|Intro APR:||0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days|
|Regular APR:||16.24% - 26.24% Variable APR|
|Intro APR:||0% Introductory APR on purchases and balance transfers for the first 12 months from account opening|
|Regular APR:||Variable APR of 15.24%, 19.24% or 25.24% will be applied|
|See Rates & Fees|
BankAmericard® credit card is a good card to use if you have credit card debt that you want to pay off, but it doesn't give you many other benefits.
BankAmericard® credit card offers a long introductory interest rate period for balance transfers (0% intro APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days with 15.24% - 25.24% variable APR thereafter), which makes this card ideal for you if you're planning on transferring an existing card balance to this card and repaying it within the interest-free period so that you don't have to pay any interest.
This card also offers account alerts, $0 liability fraud protection, mobile and text banking, and you won't have to pay any annual fee to use this card. Because this card lacks a rewards program, I only recommend this card to those who will transfer a balance to this card within the first 60 days.
|Frequently Asked Questions About BankAmericard® credit card|
|Do I pay to use this credit card ?|
|Is there a penalty if I pay late?|
|Do I get any special benefits from this card|
|Is this a good card for international spending?|
|Can I get this card even if I have bad credit?|
|Who is this card for?|
If you prefer to earn cash back on your purchases, check out our review of Bank of America® Cash Rewards credit card with which you can earn cash back for each dollar you spend on purchases. Or you can compare our best rated cash back credit cards here.
See more Bank of America credit cards.