BankAmericard® credit card Review

Our Detailed Review of This Card

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The BankAmericard® credit card is a great choice for anyone looking to save on 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 card offers a 0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days. There is a 3% balance transfer fee (min $10), but transferring a balance to the BankAmericard® credit card will probably still save you money in the long run, especially since this one-time fee is likely a lot cheaper than your current card's interest rate.

The BankAmericard® credit card also features a 0% Introductory APR on purchases for 18 billing cycles. That means you won't pay a cent in interest on balance transfers or purchases for a year and a half! After the 0% intro APR period expires, the card has an ongoing APR of 14.99% - 24.99% variable. As if that isn't enough, the BankAmericard® credit card has no annual fee and charges no penalty APR, meaning paying late won't increase your APR.

You will 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 which allow you to learn about and keep an eye on your credit.

Overall, the BankAmericard® credit card is best for those interested in saving some money on interest fees by transferring balances from higher interest credit cards to this card. Plus, it features a 0% intro APR on purchases and offers some free credit tools.


Fees and APR

  • Annual Fee: $0.
  • Purchase APR: 0% Introductory APR on purchases for 18 billing cycles, then 14.99% - 24.99% Variable APR on purchases, depending on credit history.
  • Balance Transfer APR: 0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 14.99% - 24.99% Variable APR on balance transfers, depending on credit history.
  • Balance Transfer Fee: Either $10 or 3% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee: 3% of the transaction amount.
  • Penalty APR: none


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