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BankAmericard® Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 22.99% (Variable) (0% for the first 15 months)
Balance Transfer
12.99% ‐ 22.99% (Variable) (0% for the first 15 months)
Signup Bonus

Informr score
The BankAmericard® Credit Card currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 20 sources including reviews from users and the web's most trusted critics.

Am I eligible?

BankAmericard® Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


BankAmericard is a good credit card if you have existing credit card debt you want to pay off without worrying about interest fees and other charges. Once the 0% introductory APR period ends, there are few reasons to continue using the BankAmericard for spending. It offers no rewards and has limited...

- Kevin Payne, FinanceBuzz
The Wirecutter

This is an attractive balance transfer option if you want a long runway to pay off your credit card debt without incurring interest. If you’re interested in a long 0% APR offer for your next big item, you may also find joy here.

- Taylor Tepper, The Wirecutter

If you’re looking for a low interest rate and a strong introductory APR offer, the BankAmericard® credit card is the card for you.  With no penalty APR, you won’t have to worry about your rate skyrocketing, and this card also lets you get your FICO® score for free.

- Laura Cook, MoneyUnder30
Credit Cards Explained

The BankAmericard Credit Card is a very straightforward offering. You won’t get any bells and whistles with this credit card. If you want help reducing your debt, and you want a long balance transfer intro period, this credit card can be a good choice.

- Miranda Marquit, Credit Cards Explained
The Balance

The BankAmericard Credit Card from Bank of America is a worthwhile option if you’re about to make a large purchase or want some time to pay off high-interest debt without finance charges. While there are no rewards for spending, the introductory APR offers are more than competitive, particularly if...

- Sienna Kossman, The Balance


Interest Rates
Regular APR Interest Rate 12.99% ‐ 22.99% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 12.99% ‐ 22.99% (Variable) (0% for the first 15 months)
  • Intro rate applies on balances transferred within the first 60 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 15.99% ‐ 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee 3%

of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Virtual Cards No
Additional Benefits
  • Online Shopping Security
  • Overdraft Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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