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BankAmericard® Credit Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
16.24% ‐ 26.24% (Variable) (0% for the first 18 months)
Interest Rate: Purchases
16.24% ‐ 26.24% (Variable) (0% for the first 18 months)
Balance Transfer
16.24% ‐ 26.24% (Variable) (0% for the first 18 months)
Balance Transfer
16.24% ‐ 26.24% (Variable) (0% for the first 18 months)
Rewards
-
Rewards
-
Signup Bonus
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Signup Bonus
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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 29 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...


Cnet
Cnet

The BankAmericard® credit card lets new cardholders avoid paying interest charges on the balance of another credit card by transferring it to the BankAmericard. This card features a solid introductory interest rates for new purchases and balance transfers alike, so you can also use it to finance lar...

- Evan Zimmer, Cnet
NerdWallet
NerdWallet

It's an efficient tool to help you whittle down debt. Just be aware that there's not a whole lot of value to be had once the 0% intro APR period ends.

- Claire Tsosie, Robin Saks Frankel, NerdWallet
SlickDeals
SlickDeals

The BankAmericard® Credit Card is a top choice, offering a way to move over existing debt and pay it off over the next year. While it lacks perks, this card's intro APR offer is a great way to pay off credit card debt interest-free.

- Kevin Payne, SlickDeals
Forbes
Forbes

The BankAmericard does one thing and does it extremely well—provide a lengthy intro APR period on purchases and balance transfers. There’s not much reason to use this card after the intro periods ends, but if you need a long window of no-interest breathing room, this card is well worth consideration...

- Robin Saks Frankel, Forbes
CreditCards.com
CreditCards.com

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

- Emily Sherman, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 26.24% (Variable) (0% for the first 18 months)

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

Balance Transfer Interest Rate 16.24% ‐ 26.24% (Variable) (0% for the first 18 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 19.24% ‐ 29.24% (Variable)

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

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%
Cash Advance Fee 3%
Foreign Transaction Fee 3%

of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00

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, Google Pay
Virtual Cards No
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
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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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