A Credit Card That Puts You First
In a financial world filled with distractions, the BankAmericard® Credit Card keeps things refreshingly simple. It doesn’t promise luxury perks or glamorous travel rewards—instead, it offers exactly what many cardholders truly need: a reliable, low-cost way to manage purchases, pay down balances, and regain financial control.
Whether you’re consolidating high-interest credit card debt or planning a large expense, this card’s long 0% intro APR gives you breathing room. Add to that no annual fee and a suite of security and account management tools, and you have a credit card that helps—not hinders—your everyday finances.
Benefits of the BankAmericard® Credit Card
- 0% Introductory APR
Start strong with an extended period of no interest on purchases and balance transfers, giving you the flexibility to manage large expenses or reduce existing debt more comfortably. - No Annual Fee
Keep more money in your pocket with no annual membership cost—ever. - Low Ongoing Variable APR
Once the introductory period ends, you’ll still benefit from a lower-than-average variable APR, helping you save money over time compared to many similar credit cards. - Balance Transfer Capability
Consolidate other credit card debt and pay it off at a lower rate, simplifying your financial life. - Overdraft Protection
Link to a Bank of America checking account to avoid declined transactions and overdraft fees. - Monthly FICO® Score Access
Stay informed with free monthly access to your updated FICO Score, helping you track your credit progress over time. - Zero Liability for Fraud
You’re protected against unauthorized charges with advanced fraud detection and zero liability coverage. - Contactless Payments
Tap your card at checkout for a fast, secure, and touch-free payment experience. - Digital Account Tools
Manage your account easily via the Bank of America mobile app or online banking.
Fees and Rates to Consider
Understanding the costs associated with any credit card is essential. Here’s what to expect with the BankAmericard® Credit Card:
- Intro APR: 0% for 18 billing cycles on purchases and on balance transfers made within the first 60 days of account opening
- Ongoing APR: After the intro period, a variable APR of 15.24% to 25.24% applies, depending on your creditworthiness
- Intro Balance Transfer Fee: 3% of the amount transferred during the first 60 days your account is open
- Standard Balance Transfer Fee: After the intro offer ends, the fee increases to 4% on all future transfers
- Cash Advance APR: Variable APR between 20.24% and 29.24%
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made outside the U.S.
- Penalty APR: Up to 29.99% variable if you miss a payment
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $29
- Minimum Interest Charge: $1.50, if interest is charged during a billing cycle
- Annual Fee: $0 — no annual fee at all
Requirements and How to Apply
To qualify for the BankAmericard® Credit Card, you typically need:
- Good to Excellent Credit (recommended FICO Score of 670 or higher)
- Proof of income and ability to pay
- U.S. residency and a valid Social Security Number
- Age 18 or older (19 in some states)
How to Apply
Visit the official Bank of America website and complete the secure online application. You’ll need to provide personal details such as your name, address, income, and employment information. Most applicants receive a decision within minutes.
Final Thoughts: Is the BankAmericard Right for You?
If your financial goal is to reduce interest, simplify payments, or avoid unnecessary fees, the BankAmericard® Credit Card delivers exactly what you need. Its long 0% intro APR and no annual fee structure create real opportunities to pay off debt, finance major expenses, and improve your credit—without the pressure of high rates or hidden costs.
With built-in security features, account management tools, and monthly credit score tracking, it’s a practical and smart choice for everyday use. Whether you’re just starting to take control of your finances or looking to streamline your credit, this card offers honest value.
Don’t wait to take control—apply for the BankAmericard® today and give yourself the financial flexibility you deserve.
