Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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 14.99%-25.99% variable — straightforward and transparent with no penalty APR surprises.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Credit Required
Good to Excellent
Benefits & Perks
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Identity theft protection and restoration assistance included as a Mastercard network benefit.
Emergency card replacement and cash advance services available 24/7 worldwide via Mastercard Global Service.
Reviews & Analysis
Details & Terms
| Purchase APR | 14.99%–25.99% (Variable) |
| Cash Advance APR | 28.24% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
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.
NerdWallet's detailed review highlighting the BankAmericard's balance transfer benefits and low introductory APR period
Comprehensive U.S. News review of the BankAmericard with ratings, features, and suitability analysis for debt transfer strategies
Official Bank of America product page with official features, terms, current welcome offer, and application information
CNBC Select's curated list of Bank of America credit cards, including ranking and comparison of the BankAmericard
Credit Karma's analysis of the BankAmericard focusing on balance transfer strategies and interest savings potential
| 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 |
