BankAmericard Credit Card
No fee
Bank of America
BankAmericard Credit Card
4.2
(1,234 reviews)balance transfer
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026A straightforward balance transfer card with a best-in-class 21-month 0% period covering both balance transfers AND new purchases — rare for a single card. The lower ongoing APR range is also one of the most competitive for when the intro period ends.
Annual Fee
No annual fee
Purchase APR
16.24% – 26.24%
Rewards
No rewards
Sign-Up Bonus
None
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The BankAmericard Credit Card is best suited for established credit users who consolidating debt while making new purchases. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 21 months 0% on purchases AND balance transfers
- Lower ongoing APR range
- No annual fee
- Consolidating debt while making new purchases
Consider another card if you…
- No rewards program
- 3% foreign transaction fee
- No sign-up bonus
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 16.24% – 26.24% |
| Intro APR (Purchases) | 0% for 21 months |
| Intro APR (Balance Transfer) | 0% for 21 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
21 months 0% on purchases AND balance transfers
Lower ongoing APR range
No annual fee
Lower 3% transfer fee vs. competitors' 5%
No rewards program
3% foreign transaction fee
No sign-up bonus
The Bottom Line
The Good: The BankAmericard Credit Card stands out for its 21 months 0% on purchases and balance transfers.
The Not So Good: No rewards program.
Our Verdict: The BankAmericard Credit Card scores 7/10 — a solid option for consolidating debt while making new purchases. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the BankAmericard Credit Card?▾
The BankAmericard Credit Card has no annual fee — you'll never be charged just for keeping the card open.
What credit score do I need for the BankAmericard Credit Card?▾
The BankAmericard Credit Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the BankAmericard Credit Card charge a foreign transaction fee?▾
Yes, the BankAmericard Credit Card charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the BankAmericard Credit Card?▾
The BankAmericard Credit Card has a variable purchase APR of 16.24% – 26.24%, with a 0% intro APR for the first 21 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the BankAmericard Credit Card best for?▾
The BankAmericard Credit Card is best for Consolidating debt while making new purchases. A key advantage: 21 months 0% on purchases and balance transfers.
Customer Reviews
4.2
1,234 reviews
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