BankAmericard®: 0% Intro APR for 21 Months with Low Ongoing APR
Enjoy 0% intro APR for 21 months on purchases and balance transfers, followed by a low ongoing APR that helps reduce interest costs if you carry a balance.
The Bottom Line
2.9
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The BankAmericard® Credit Card offers a long 0% intro APR period of 21 billing cycles on purchases and qualifying balance transfers, making it a strong choice for consolidating debt or financing large expenses without interest. After the intro period, it continues with a relatively low ongoing APR, helping keep borrowing costs manageable over time. The card does not offer rewards and is designed purely to minimize interest costs. It is best for people who want a simple, low interest card, while those looking to earn rewards on everyday spending will likely find better value with other options.
BankAmericard®
Apply now
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 21 billing cycles
Balance Transfers: 0%, 21 billing cycles
Regular APR
15.24% - 26.24%
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 21 billing cycles from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
- Regular APR: After the introductory period, a variable APR of 15.24% - 26.24% applies to purchases and balance transfers.
- Balance Transfer Fees: 5% of each transfer amount.
- Paying late won’t raise your APR.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Convenience Features
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Buy Now, Pay Later Options
- Custom Pay Plan: Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.
Ratings
- Net Value & Cost Efficiency: 4.7/10
- Rewards & Earnings Power: 0.0/10
- Welcome Bonus Value: 0.0/10
- First-Year Earning Boost: 0/10
- APR & Interest Structure: 10.0/10
- Simplicity & Transparency: 10.0/10
- Perks, Benefits & Protections: 1.9/10
- Issuer Credibility & Stability: 6.7/10
- Installment & BNPL Features: 7/10
- Eligibility & Approval Accessibility: 7.5/10
Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.
Terms and Conditions
- Click Apply Now to see the terms and conditions.