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OFFER STATUS
The BankAmericard® credit card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
The BankAmericard® credit card is a good fit for cardholders who want to pay off debt quickly or avoid interest on purchases while taking advantage of the 0% intro APR offer. Our BankAmericard® credit card review will take a closer look at the strengths and weaknesses of this credit card to help you decide if it's the right card for your personal finance goals.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
0% Intro APR for 18 billing cycles for purchases. 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR on purchases and balance transfers will apply. A 3% fee applies to all balance transfers.
Purchases: 0% Intro APR for 18 billing cycles for purchases
Balance Transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
Regular APR
15.49% - 25.49% (Variable)
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
Few cards in this category can compete with this offers long 0% intro APR offer.
No annual fee
FICO® Score for free
No penalty APR
Great 0% intro APR offer
No rewards
Balance transfer fee
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
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.
BankAmericard® credit card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year.
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Intro:
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular:18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash rewards on everyday spending
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2% cash rewards
Earn unlimited 2% cash rewards on purchases.
Intro:
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for unlimited rewards on purchases
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
1.5 points per dollar
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.
Intro:
0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
This credit card is a good fit for: Cardholders who want to finance purchases or transfer credit card debt to pay off over time.
Top perks
No annual fee
This is a no annual fee credit card, so if saving a little extra money is important for your budget, this might be a good fit.
Lengthy 0% APR offer
The BankAmericard® credit card has a lengthy 0% APR offer. You can get 0% Intro APR for 18 billing cycles for purchases. This card also offers 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, after which the go-to rate of 15.49% - 25.49% (Variable) APR applies. This generous no-interest offer could help you save money on credit card interest charges.
No penalty APR
It's common for credit card issuers to slap late-paying cardholders with a raised or penalty APR. This one says that a tardy remuneration won't automatically hike a customer's APR, so cardholders shouldn't have a heart attack if they aren't timely with a payment.
FICO® Score for free
An increasingly common perk in the credit card world, the FICO® Score for free is nevertheless a fine benefit BankAmericard® credit card holders will find helpful. The score is updated every billing cycle and can be accessed in the issuer's online banking portal or mobile app.
$0 liability guarantee
Bank of America helps to ensure that you (or your family/associates) will be the only entity shopping with the card. The issuer's $0 liability guarantee covers fraudulent purchases made by bad guys using your digits.
Contactless capabilities
The BankAmericard® credit card includes contactless chip technology, allowing cardholders to tap and pay at eligible retailers.
What could be improved
Balance transfer fee
The card's 3% balance transfer fee is common in this category, but it is a fee, nonetheless.
Rewards
This card is a fairly no-frills product, which is part of its appeal, but it would be nice if purchases earned points or miles. Such programs are a magnet for credit card holders, who like that their purchases generate earnings.
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
The BankAmericard® credit card is intended for those with good to excellent credit, although those with relatively modest scores may qualify if they have a good credit history.
The issuer does not publicize the specific credit scores that would entail; anecdotal evidence and evaluations from around the web indicate that applicants should have a FICO® Score of at least 670 to be considered.
It's important to know that a credit score is not the only measure issuers use when deciding whether to issue you a card. Credit utilization matters greatly, as does a history of paying statements on time and hopefully in full.
The BankAmericard is right for you if:
BankAmericard® credit card is a clear leading pick in its category. Simply put, few cards we've come across can match the feature set of the intro APR offer, no annual fee, and no penalty APR. These are strong inducements for several types of credit card customers:
You're worried about making payments on time and need the flexibility of a card with no penalty APR.
You have a need now, or in the near future, to buy something and want to avoid paying interest on a large purchase. Opening a BankAmericard® credit card account, then making this purchase with it would allow the customer to gradually pay it back over the intro APR period without incurring any interest charges.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.
FAQs
The credit limit varies by consumer and depends on several factors, including income, credit score, payment history, and other criteria used by Bank of America.
Yes, you can use the BankAmericard® credit card internationally. However, it carries a 3% foreign transaction fee. You can avoid these fees while traveling abroad by using a credit card with no foreign transaction fees.
No, the BankAmericard® credit card is not metal.
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Citigroup is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, Bank of America, PayPal, and Target. The Motley Fool recommends Discover Financial Services and recommends the following options: long January 2027 $42.50 calls on PayPal and short December 2024 $70 calls on PayPal. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa and Mastercard.
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