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BankAmericard® Credit Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
13.24% ‐ 23.24% (Variable) (0% for the first 18 months)
Interest Rate: Purchases
13.24% ‐ 23.24% (Variable) (0% for the first 18 months)
Balance Transfer
13.24% ‐ 23.24% (Variable) (0% for the first 18 months)
Balance Transfer
13.24% ‐ 23.24% (Variable) (0% for the first 18 months)
Rewards
-
Rewards
-
Signup Bonus
$100 after spending $1,000
Signup Bonus
$100 after spending $1,000


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 25 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
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
Bankrate
Bankrate

The BankAmericard offers a great into APR period that, although not the longest available currently, stands apart from the pack of similar balance transfer cards thanks to the low ongoing interest rate afterward and the unique cash back welcome bonus that sweeten the deal.

- Garrett Yarbrough, Nouri Zarrugh, Grace , Bankrate
MyBankTracker
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.

- Rebecca Lake, MyBankTracker
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
FinanceBuzz
FinanceBuzz

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

Details


Interest Rates
Regular APR Interest Rate 13.24% ‐ 23.24% (Variable) (0% for the first 18 months)

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

Balance Transfer Interest Rate 13.24% ‐ 23.24% (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 16.24% ‐ 26.24% (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

Maximum

Promotions
Sign up bonus $100 after spending $1,000
  • On purchases within the first 90 days
  • You will receive the $100 back in the form of a statement credit
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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