BankAmericard® Credit Card
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The BankAmericard® Credit Card does one thing, and it does it really well. It’s 0% introductory APR on balance transfers for 18 billing cycles is one of the longest available from any credit card. Keep in mind, however, that you must initiate the transfer within the first 60 days of getting the card. It also offers a generous 18 month 0% introductory APY on purchases. It’s a decent amount of time to pay down higher-interest cards or to buy one or two major purchases and then pay them off. There is no annual fee but you won’t get many rewards or perks. We dive into the details and your approval odds in this BankAmericard review.
Our Rating
3.6/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
18
Reward Rate
none
0% on Balance Transfers
18
Welcome Offer
None
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Samsung Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of the U.S. dollar amount of each transaction |
| Regular APR | 16.24% - 26.24% (V) APR |
| Balance Transfers | 0% Intro APR for 18 months on balance transfers, then 16.24% - 26.24%(V) APR after that. |
| Balance Transfer Intro Fee | 3% Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%. |
| Balance Transfer Fee | After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%. |
| Purchases | 0% Intro APR for 18 months on purchases, then 16.24% - 26.24% (V) APR after that. |
What Credit Score Is Required to Get the BankAmericard® Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 726
Average Approved Credit Score: 752
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/14/2022 | Experian | ||
| Approved | 03/29/2022 | Experian | ||
| Denied | 04/25/2022 | TransUnion | ||
| Denied | 04/25/2022 | Equifax |
Pros & Cons
- No annual fee
- 0% intro APR
- No rewards
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0
Capital One VentureOne Rewards Credit Card
Rating
4.4
Rewards Range
1.25x miles to 5x miles
Annual Fee
$0