BankAmericard® Credit Card Review Credit Card 5 2017-06-20 10:20:59

BankAmericard® Credit Card Review

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Rating:
Bottom Line:
Combines a $0 intro balance transfer fee during the first 60 days account is open (then 3%, min $10) with a 15 billing cycle 0% intro APR and some of the most competitive ongoing APRs

Full Review:
The BankAmericard® Credit Card is our top-ranked balance transfer card and a great choice for anyone looking to save on balance transfer fees and interest charges, particularly if you're trying to move your balances over from other high-APR cards. It also offers a 0% intro APR on purchases, and is available to those with just good credit, typically considered to be a credit score above 700.

This no-annual-fee card has recently made its introductory offer even more appealing, and now features a $0 intro balance transfer fee for the first 60 days your account is open (after that it's 3%, min $10) and a lengthy 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days. In fact, it's one of the few cards on the market that offers such a long 0% intro APR combined with no balance transfer fees. Plus there is a 0% Introductory APR on purchases for 15 billing cycles. That means that with the BankAmericard® Credit Card you won't pay a cent in interest on balance transfers or purchases for over a year. And after the intro APR period, the ongoing 12.74% - 22.74% Variable APR is much lower than its competitors, especially for those with excellent credit.

You'll also enjoy monthly FICO TransUnion credit scores for free, a terrific way to help keep track of changes to your TransUnion credit report. And you'll have access to online credit education on topics like using credit cards responsibly, budgeting and more. Both of these tools are smart ways to learn about and keep an eye on your credit.

Overall, BankAmericard® Credit Card cardholders can save a bunch money by transferring balances from higher interest credit cards to the this card, while also taking advantage of $0 intro balance transfer fees. Plus it features a lengthy 0% intro APR on purchases and some free credit tools. To top it all off, our number-one-ranked balance transfer card is available to those with just good (rather than excellent) credit.

Highlights
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • 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

Fees and APR
  • Annual Fee: $0.00.
  • Purchase APR: 0% Introductory APR on purchases for 15 billing cycles, then 12.74% - 22.74% Variable APR on purchases, depending on credit history.
  • Balance Transfer APR: 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR on balance transfers, depending on credit history.
  • Balance Transfer Fee: $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
  • Foreign Transaction Fee: 3% of the transaction amount.
  • Penalty APR: none.
  • Terms and Conditions


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Card Details

Features:$0 Intro balance transfer fee for the first 60 days your account is open, then 3% (min $10). 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR on balance transfers .
Purchase APR:0% Introductory APR on purchases for 15 billing cycles, then 12.74% - 22.74% Variable APR on purchases
Balance Transfer APR:0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR on balance transfers
Annual Fee:$0.00
Credit Needed:Excellent/Good

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