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BankAmericard Review: Among the Longest Intro APR Offers

Review Updated
Natasha Etzel
By: Natasha Etzel

Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

OFFER STATUS

The BankAmericard® credit card is unavailable on The Ascent. 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 Some items may be out of date.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.

Ratings Methodology
Award Icon 2024 Award Winner

BankAmericard® credit card

BankAmericard® credit card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. 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 Circle with letter I in it. 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: Circle with letter I in it. 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)
Credit Score Circle with letter I in it. 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 Circle with letter I in it. 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, 16.24% - 26.24% 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

16.24% - 26.24% (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, 16.24% - 26.24% 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 The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Full BankAmericard review

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 16.24% - 26.24% (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.

Compare cards

Read more: Best Bank of America Credit Cards

Suggested credit score

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.

For more options, review our picks for the best balance transfer credit cards to see if one is right for you.

Our credit card methodology

At The Motley Fool Ascent, 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 The Ascent 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.

Our Credit Cards Experts

Natasha Etzel
By: Natasha Etzel

Writer

Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.

Nathan Alderman
Check IconFact Checked Nathan Alderman

Fact checker

Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.