Reviews
" " The offers on the credit card landscape are constantly changing which is great news for consumers.

Trusted & Secure
trust icon

Empowering over
50,000,000 card holders Since 2005

Add to Compare

BankAmericard® credit card

 

Rated 4.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4.5/5.0 from 208 Offer Ratings
Over the Past 60 Days!

(208) Over the Past 60 Days!
Apply Now

on Bank of America's secure site

Call To Apply
  • Regular APR See Terms
  • Intro Purchase APR See Terms
  • Intro BT APR See Terms
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Regular Purchase APR See Terms
  • Intro Purchase APR See Terms
  • Intro BT APR See Terms
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening. 
  • No annual fee. 
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app. 
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

 

Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

Either $10 or 3% of the amount of each transaction, whichever is greater.

Cash Advance Fee

See Terms

Penalty APR

None

Ongoing Information

Rewards Rate

Non-rewards card

Annual Fee

$0

Additional Card Details

$0 Fraud Liability

Yes

Auto Rental Insurance

No

Extended Warranty Program

Yes

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

No

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

No

Expert Reviews

From the CompareCards.com Editorial Team, updated on Jul 03, 2022

The BankAmericard® credit card is a pretty basic credit card with no complicated terms or conditions to sort through. This card offers the lowest annual percentage rate among all available BankAmericard products and additional benefits include SafePass, Chip Technology, Overdraft Protection, and more.

For those interested in performing a balance transfer, you get See Terms. After that, the on-going APR for both purchases and balance transfers is See Terms. With Bank of America, you always receive $0 liability fraud protection, use of their network of banking centers and ATMs, and have access to their award-winning Online Banking service. 

If you prefer the personal touch of a phone call when you apply for a credit card or have a question on your account, Bank of America goes the extra mile. You can expect an “an outstanding customer service experience” for the live phone channel, according to the May 2017 certification by J.D. Power.

Expert Reviews of the BankAmericard® credit card

  • 5.0

    Regular APR

  • 4.5

    Intro APR

  • 4.5

    Fees

  • 4.5

    Benefits

  • 4.5/5

    Overall Rating

The Bottom Line

With few fees and a long intro APR, the BankAmericard® credit card is one of the best options on the market for balance transfers.

The Good

The BankAmericard® credit card offers the winning combination of the intro APR and no annual fee making it a great choice for anyone looking for a simple credit card with low interest rates.

The Not so Good

If you are interested in earning rewards or cash back bonuses, this card is not the right choice for you.

Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of America.

Consumer Reviews

star rating

OFFER RATING

4.5/5.0

208 Total Ratings

5 STARS

(60)

4 STARS

(57)

3 STARS

(48)

2 STARS

(24)

1 STAR

(19)

YOUR RATING

 

Rated 4.5/5.0 stars by our editorial team

Click the stars to submit your rating.

Rating already submitted!

Thanks for rating!

Change my rating to: Average

4.5/5.0 from 208 Offer Ratings
Over the Past 60 Days!

(208) Over the Past 60 Days!
Compare Cards
Add a Card +
Back to top ↑