HighlightsCredit Card Feature
Things We Like0% intro APR for 15 billing cycles for 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

  • Our Rating:
  • 4.30/5
  • Your Rating:
Rate This Card

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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
BankAmericard<sup>®</sup> Credit Card

BankAmericard® Credit Card

BankAmericard<sup>®</sup> Credit Card
  • Our Rating:
  • Our Rating:
  • 4.30/5
  • Your Rating:
Rate This Card
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • 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

0% Introductory APR for 15 billing cycles for balance transfers made in the first 60 days

12.74% - 22.74% Variable APR

$0

Excellent/Good

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 15 billing cycles for balance transfers made in the first 60 days. Keep in mind that for each balance you transfer to this card, you will have to pay a balance transfer fee of 3% or $10 minimum. All balances transferred to this card after the first 60 days will have a 12.74% - 22.74% 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 12.74% - 22.74% 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 150 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.

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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, BankAmericard Cash Rewards™ credit card (read our review of BankAmericard 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 2017.

You pay a high fee to get cash. When you use this card to get cash, you pay a cash advance fee of either $10 or 3% of the amount of each transaction (whichever is greater) for direct deposit and check cash advances, and either $10 or 5% of the amount of each transaction (whichever is greater) for when you get a cash advance at an ATM, over-the-counter, or using the same-day online cash advance and cash equivalent cash advance options. In short, this isn't the right card to use if you like using your credit card to get cash. Check out Barclaycard Ring™ Mastercard® which has a $3 cash advance fee.

How Other Cards Compare With BankAmericard® credit card

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR
Intro APR:0% Introductory APR for 15 billing cycles for balance transfers made in the first 60 days
Regular APR:12.74% - 22.74% Variable APR
Annual Fee:$0
Credit Required:Excellent/Good
NEW OFFER: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
Intro APR:0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days
Regular APR:13.74% - 23.74% Variable APR
Annual Fee:No annual fee
Credit Required:Excellent/Good
Pay no annual fee
Intro APR:N/A
Regular APR:24.99% (Variable)
Annual Fee:$0
Credit Required:Average, Fair, Limited

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 one of the longest introductory interest rate periods for balance transfers in the U.S. (0% intro APR for 15 billing cycles for balance transfers made in the first 60 days with 12.74% - 22.74% 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 (although you'll still have to pay the 3%(min $10) balance transfer fee).

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.

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If you prefer to earn cash back on your purchases, check out our review of BankAmericard 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.