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The BankAmericard® Credit Card is built for one thing: saving you money on interest.
While many credit cards flood users with reward points and rotating offers, this one keeps things simple and delivers big savings through one of the most generous intro APR offers in the market.
Whether you’ve made a large purchase or are carrying a balance on another card, BankAmericard gives you time to catch up, interest-free.
And with no annual fee, you can hold onto the card long-term without worrying about hidden costs.
BankAmericard®
Pros: No annual fee Cons: No rewardsHow does the BankAmericard® Credit Card work?
When you’re approved, you receive an introductory 0% APR for 18 billing cycles on all purchases and any balance transfers completed within the first 60 days.
That means if you transfer a high-interest balance shortly after opening the account, you’ll have 18 full billing cycles—about a year and a half—without paying a dime in interest. This can lead to significant savings and make debt repayment far more manageable.
After the intro period ends, a variable APR applies, based on your creditworthiness. But if you’ve made the most of the 0% period, your balance may already be paid down—or gone entirely.
Unlike other cards, BankAmericard doesn’t offer rewards, miles, or cashback. Instead, it gives you something that’s arguably more valuable: time to pay without penalty.
Main benefits of the BankAmericard® Credit Card
The biggest draw is the 18 billing cycles of 0% intro APR. Whether you’re dealing with a large expense, planning a project, or consolidating credit card debt, this card gives you the runway to handle it at your own pace—without interest weighing you down.
There’s also no annual fee, so you’re not losing money just for having the card, even if you don’t use it heavily after the intro period.
Another often-overlooked benefit: there’s no penalty APR. That means if you make a late payment, your interest rate won’t automatically skyrocket like with many other cards.
While late fees still apply, avoiding a permanent rate hike can save you serious money over time.
The card also offers digital management tools through Bank of America’s app and website, including alerts, automatic payments, and security monitoring.
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Cons of the BankAmericard® Credit Card
For all its strengths, the BankAmericard card has a few limitations to consider.
The most obvious is that it doesn’t offer any rewards—no points, no cashback, no miles. If you’re looking to earn perks with your spending, you’ll need to pair this with a rewards-focused card.
Additionally, balance transfers include a fee of 3% (minimum $10), which adds cost upfront—though the long interest-free period can easily outweigh that fee if your transferred balance is large.
Lastly, after the 18 billing cycles are up, the regular APR kicks in. If you plan to carry a balance long term beyond that window, this may not be your best choice.
APR and Fees
- Intro APR: 0% for 18 billing cycles on purchases and balance transfers (must transfer within 60 days)
- Ongoing APR: Variable APR applies after the intro period, based on creditworthiness
- Annual Fee: $0
- Balance Transfer Fee: 3% (min. $10)
- Penalty APR: None
- Late Fee: May apply, but won’t increase APR
It’s one of the most straightforward and affordable cards out there—especially for those who want to focus on reducing debt.
How to apply for the BankAmericard® Credit Card
You can apply online in minutes through the Bank of America website. You’ll be asked to enter basic personal and financial information and consent to a credit check.
Applicants with good to excellent credit are more likely to be approved. Once approved, the card is mailed to your address and can be activated immediately upon arrival.
If you’re transferring a balance, act quickly: only transfers made within 60 days of account opening qualify for the intro APR offer.
Once your card is active, you’ll have one of the best no-frills tools to pay down debt, manage expenses, and take control of your finances—with no distractions.
