BankAmericard® Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.24% ‐ 25.24% (0% for the first 15 months)
Balance Transfer
15.24% ‐ 25.24% (0% for the first 15 months)
Rewards
-
Signup Bonus
-


8.8/10
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 16 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...


CreditCards.com

With a relatively low interest rate and a lengthy interest-free balance transfer period, the BankAmericard credit card is a good choice for cardholders with hefty balances.

- Emily Sherman, CreditCards.com
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
SmartAsset

While this card does not offer any travel or cash back rewards, is it a great option for someone looking to consolidate balances and save money with a 0% APR introductory period.

- Chris Thompson, SmartAsset
Dough Roller

For the right person and the right situation, I absolutely love this card. No, it’s not meant to be an everyday card that will earn you massive amounts of points. It’s designed to be a balance transfer card or one you can make a large purchase with. That’s why they offer a great promotion rate to st...

- Chris Muller, Dough Roller
The Wirecutter

This card charges the least in fees and interest if you pay off your debt within two years. Plus, you won’t lose your 15-billing-cycle 0% introductory period if you miss a payment. But if you need longer than two years, or just aren’t sure how much you can throw at your debt, you’re better off with...

- Taylor Tepper, The Wirecutter

Details


Interest Rates
Regular APR Interest Rate 15.24% ‐ 25.24% (0% for the first 15 months)

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

Balance Transfer Interest Rate 15.24% ‐ 25.24% (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 18.24% ‐ 27.24%

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 $38.00

Maximum

Promotions
Sign up bonus No
Rewards
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
Additional Benefits
  • Online Shopping Security
  • Overdraft Protection
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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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.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Critic Reviews


CreditCards.com

More time to clear your balance

from CreditCards.com

With a relatively low interest rate and a lengthy interest-free balance transfer period, the BankAmericard credit card is a good choice for cardholders with hefty balances.

Read full review

With a relatively low interest rate and a lengthy interest-free balance transfer period, the BankAmericard credit card is a good choice for cardholders with hefty balances.

Read full review

Less

Credit Cards Explained

A simple credit card that can help you build your credit history

from 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.

Read full review

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.

Read full review

Less

SmartAsset

A great choice for balance transfers

from SmartAsset

While this card does not offer any travel or cash back rewards, is it a great option for someone looking to consolidate balances and save money with a 0% APR introductory period.

Read full review

While this card does not offer any travel or cash back rewards, is it a great option for someone looking to consolidate balances and save money with a 0% APR introductory period.

Read full review

Less

Dough Roller

Excellent for consolidating debt

from Dough Roller

For the right person and the right situation, I absolutely love this card. No, it’s not meant to be an everyday card that will earn you massive amounts of points. It’s designed to be a balance transfer card or one you can make a large purchase with. That’s why they offer a great promotion r...More

For the right person and the right situation, I absolutely love this card. No, it’s not meant to be an everyday card that will earn you massive amounts of points. It’s designed to be a balance transfer card or one you can make a large purchase with. That’s why they offer a great promotion rate to start instead of points or a cash signup bonus.

Read full review

Less

The Wirecutter

Best for paying off your balance quickly

from The Wirecutter

This card charges the least in fees and interest if you pay off your debt within two years. Plus, you won’t lose your 15-billing-cycle 0% introductory period if you miss a payment. But if you need longer than two years, or just aren’t sure how much you can throw at your debt, you’re better off with the Ring.

Read full review

This card charges the least in fees and interest if you pay off your debt within two years. Plus, you won’t lose your 15-billing-cycle 0% introductory period if you miss a payment. But if you need longer than two years, or just aren’t sure how much you can throw at your debt, you’re better off with the Ring.

Read full review

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The Ascent

Perks to help you pay down debt faster

from The Ascent

The versatility of the card's low intro APR offer makes this a compelling offer for cardholders wanting to pay off debt faster.

Read full review

The versatility of the card's low intro APR offer makes this a compelling offer for cardholders wanting to pay off debt faster.

Read full review

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WalletHub

Favorable introductory APRs

from WalletHub

A very good tool for avoiding interest on credit card debt, whether you’re planning a big purchase or need a way to reduce the cost of an existing balance.

Read full review

A very good tool for avoiding interest on credit card debt, whether you’re planning a big purchase or need a way to reduce the cost of an existing balance.

Read full review

Less

MoneyUnder30

A great balance transfer card

from MoneyUnder30

This card doesn’t offer many fun perks like rewards or cash back, so if that’s your thing, look elsewhere. But if you have a lot of high-interest debt and and excellent credit score, this might be the card for you.

Read full review

This card doesn’t offer many fun perks like rewards or cash back, so if that’s your thing, look elsewhere. But if you have a lot of high-interest debt and and excellent credit score, this might be the card for you.

Read full review

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MyBankTracker

Great introductory balance transfer offer

from MyBankTracker

This card is best for people who have a balance they want to transfer and want to save the most money possible on fees and interest.

Read full review

This card is best for people who have a balance they want to transfer and want to save the most money possible on fees and interest.

Read full review

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Bankrate

One of the best balance transfer credit cards

from Bankrate

If you’re looking to pay down debt, this card is a good choice. Unlike many other balance transfer cards that have a capped amount, you can transfer a balance of up to the credit limit you’re approved for.

Read full review

If you’re looking to pay down debt, this card is a good choice. Unlike many other balance transfer cards that have a capped amount, you can transfer a balance of up to the credit limit you’re approved for.

Read full review

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User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.