BankAmericard® Credit Card

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.

BankofAmericard

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

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Samsung Pay
BenefitsFree credit score access, 24/7 customer service
Travel PerksNone

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of the U.S. dollar amount of each transaction
Regular APR16.24% - 26.24% (V) APR
Balance Transfers0% Intro APR for 18 months on balance transfers, then 16.24% - 26.24%(V) APR after that.
Balance Transfer Fee3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
Purchases0% Intro APR for 18 months on purchases, then 16.24% - 26.24% (V) APR after that.

Pros & Cons

Pros
  • No annual fee
  • 0% intro APR
Cons
  • No rewards
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card

Rating

4.4

Rewards Range

1.25x miles to 5x miles

Annual Fee

$0

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