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You are here: Home / Credit Cards / BankAmericard® Credit Card

BankAmericard® Credit Card

April 12, 2023 by Gail Kellner

The BankAmericard® Credit Card does one thing, and it does it really well. It’s 0% introductory APR on balance transfers for 21 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 21 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.

BankAmericard® Credit Card
Our Rating
3.8/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
21 Months
Rewards Rate
none
0% on Balance Transfers
21 Months

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 APR15.74% - 25.74% (V) APR
Balance Transfers0% Intro APR for 21 months on balance transfers, then 15.74% - 25.74%(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 21 months on purchases, then 15.74% - 25.74% (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 a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/14/2022
726
Experian
$17,000
Approved03/29/2022
777
Experian
$14,000
Denied04/25/2022
794
TransUnion
---
Denied04/25/2022
805
Equifax
---
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

Read Review
Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review
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

Read Review

Related Articles

  • 13 Best Interest-Free Credit Cards of May 2023 | 0% APR for up to 21 Months
  • 11 Best Balance Transfer Credit Cards–No Interest Until 2025

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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