|Highlights||Credit Card Feature|
|Things We Like||0% intro APR for 15 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|
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 Card||Features||Intro APR||Regular APR||Annual Fee||Why we like it||We least like||t_cc_credit_required||Related links|
BankAmericard® Credit Card
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days
12.99% - 22.99% Variable APR
|Related Links Read our review of BankAmericard® Credit Card or view more details of BankAmericard® Credit Card. See more Bank of America credit cards.|
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 purchases, and for any balance transfers made in the first 60 days. There is a $0 intro balance transfer fee for the first 60 days your account is open, after that the fee for future balance transfers is 3% or $10 minimum. All balances transferred to this card after the first 60 days will have a 12.99% - 22.99% 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 12.99% - 22.99% 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.
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 2017.
How Other Cards Compare With BankAmericard® credit card
|Intro APR:||0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days|
|Regular APR:||12.99% - 22.99% 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:||13.99% - 23.99% Variable APR on purchases and balance transfers|
|Annual Fee:||No annual fee|
|Intro APR:||0% for 15 months on Purchases and Balance Transfers|
|Regular APR:||13.99%-24.99% Variable|
|Credit Required:||Excellent, Good|
|See Rates & Fees||Terms Apply|
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 15 billing cycles for purchases, and for any balance transfers made in the first 60 days with 12.99% - 22.99% 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.
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.