The Ultimate Guide to Credit Cards
Wednesday, October 20, 2021

BankAmericard® Credit Card

► 2021 Review, Application & Rates

"This card is best described as solid, but unspectacular: very good intro rates on purchases and balance transfers, but a subpar ongoing APR and virtually no rewards program for its cardholders."
- Toby Sembower,
Advertiser Disclosure
BankAmericard® Credit Card Review

at Bank Of America'ssecure website

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

4.6/5.0
  • Earn $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days, then a variable APR will apply
  • An optional overdraft protection service is available to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
  • 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
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 18 billing cycles
0% Intro APR for 18 billing cycles (for balance transfers made in the first 60 days)
12.99% - 22.99% (Variable)
$0
Excellent/Good

Interest Rate

Annual Fee

Credit Needed

Ratings By Category

0% Balance Transfer
(Ranked #2 out of 12)
★★★★★
4.6
0% Intro APR
(Ranked #18 out of 33)
★★★★★
4.5
Best Overall
(Ranked #28 out of 145)
★★★★★
4.6
Excellent Credit
(Ranked #25 out of 58)
★★★★★
4.6
Good Credit
(Ranked #24 out of 61)
★★★★★
4.6
Low APR
(Ranked #24 out of 39)
★★★★
4.4

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