Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

BankAmericard® Credit Card review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
15.49% ‐ 25.49% (Variable) (0% for the first 21 months)
Interest Rate: Purchases
15.49% ‐ 25.49% (Variable) (0% for the first 21 months)
Balance Transfer
15.49% ‐ 25.49% (Variable) (0% for the first 21 months)
Balance Transfer
15.49% ‐ 25.49% (Variable) (0% for the first 21 months)
Signup Bonus
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 28 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...


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

- Kevin Payne, SlickDeals

This card’s substantially long intro APR period can help you pay off debt while saving potentially hundreds of dollars or more in interest charges. However, if you can pay your debt off in 15 months or less, there may be better options out there with more long-term value.

- Robert Thorpe, Garrett Yarbrough, Bankrate

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 one of the longest introductory interest rates for new purchases and balance transfers alike, so you can also use it to...

- Evan Zimmer, Cnet

The BankAmericard® credit card’s benefits make it a good card for debt consolidation and major purchases.

- Brett Holzhauer, MoneyGeek

The BankAmericard® credit card is a very good credit card for people with excellent credit who want to avoid interest on credit card debt. The BankAmericard is worth it because it has a $0 annual fee and 0% introductory APRs for purchases and balance transfers that last for the first 21 billing cycl...

- John S Kiernan, WalletHub


Interest Rates
Regular APR Interest Rate 15.49% ‐ 25.49% (Variable) (0% for the first 21 months)

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

Balance Transfer Interest Rate 15.49% ‐ 25.49% (Variable) (0% for the first 21 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 18.49% ‐ 28.49% (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


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, Google 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
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with BankAmericard® Credit Card

Rate It: