BankAmericard Credit Card
Save money on interest. It's that simple.
The BankAmericard offers 0% intro APR for 21 billing cycles on both purchases and balance transfers with no annual fee. Perfect for consolidating debt or making large purchases without interest charges. A 5% fee applies to all balance transfers. After the intro period ends, interest rates range from 15.24%-26.24% variable — straightforward and transparent with no penalty APR surprises.
- Annual Fee
- $0
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Credit Required
- Good to Excellent
Earning Rates
- 0X
All Other
This card does not earn rewards - designed for balance transfers and low APR
Earning Scenarios
No Rewards Program
BankAmericard doesn't earn points or cash back on purchases — it's designed purely for balance transfers and debt consolidation. If you want rewards, consider a Mastercard Rewards card instead. This card's value comes from the 0% intro APR and no annual fee, not earning on spending.
Consolidate $10,000 of high-interest debt at 22% APR: avoid interest for 21 billing cycles with the 0% intro rate
Benefits & Perks
Insurance & Protections
1 protections$0 liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
With no annual fee and 0% intro APR for 21 billing cycles on both purchases and transfers, BankAmericard is ideal for debt consolidation or making large purchases interest-free. The 5% balance transfer fee applies to all transfers, and the no-penalty-APR policy protects against rate shock.
Pros and Cons
Pros
- +21-billing-cycle 0% intro APR on both purchases and balance transfers
- +No annual fee
- +Lower regular APR range (15.24%-26.24%) than many competitors
- +No penalty APR — late payments won't raise your interest rate
- +Preferred Rewards members can get additional APR discounts
Cons
- -No rewards program whatsoever (0 points, 0% cash back)
- -3% foreign transaction fee
- -5% balance transfer fee
- -Limited card benefits and purchase protections
- -Requires good to excellent credit (670+)
Who It's Best For
Best For
- Paying down large balances with a 21-billing-cycle 0% APR period on purchases and balance transfers
- Those who prioritize low interest rates over earning rewards
- Bank of America Preferred Rewards members seeking APR discounts
- Cardholders focused on debt payoff without distraction of rewards
Not Ideal For
- Earning rewards on everyday spending (card earns 0 points/cash back)
- International travelers (3% foreign transaction fee)
- Those who pay their balance in full each month (no benefit without rewards)
- Cardholders wanting travel protections or purchase benefits
Details & Terms
Payment Terms
| Purchase APR | 15.24%–26.24% (Variable) |
| Cash Advance APR | 18.24%–29.24% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
Video Reviews
8 videosThe 5 Best Credit Cards Offering 0% Interest
Bank of America BankAmericard WORTH IT in 2024?!
I Ranked Every Bank of America Credit Card (Best Cards in 2025)
BankAmericard Credit Card Review 2025 | Worth It or Leave It?
How to Use Bank of America Balance Transfers to Save on Credit Card Interest
BankAmericard Review – My Honest Experience Using Bank of America's Credit Card
Bank of America Just Dropped Their Best 0% Balance Transfer Offer Yet
Third-Party Articles & Reviews
BankAmericard Review: A Great Breather From Credit Card Interest
NerdWallet's detailed review highlighting the BankAmericard's balance transfer benefits and low introductory APR period
BankAmericard Credit Card 2026 Review
Comprehensive U.S. News review of the BankAmericard with ratings, features, and suitability analysis for debt transfer strategies
BankAmericard Credit Card
Official Bank of America product page with official features, terms, current welcome offer, and application information
BankAmericard credit card review: Is it the missing piece to your debt repayment strategy?
BankAmericard credit card Reviews [2026]
BankAmericard credit card review: Solid balance transfer welcome bonus
The 6 best Bank of America credit cards of February 2026
CNBC Select's curated list of Bank of America credit cards, including ranking and comparison of the BankAmericard
BankAmericard Credit Card Review: Great for Saving on Interest
Credit Karma's analysis of the BankAmericard focusing on balance transfer strategies and interest savings potential
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Boa Official | — | Boa Official |
| Bankrate | — | Bankrate |
| WalletHub | — | WalletHub |
| Issuer Page | Issuer Page | |
| Bank of America | Bank of America | |
| Bank of America | Bank of America | |
| Bank of America | Bank of America | |
| Bank of America | Bank of America | |
| Bank of America | Bank of America | |
| Bank of America | Bank of America |