$0
Annual fee
See the card
Card reviewBank of America
Updated Aug 2, 2026 · research
Bank of America
BankAmericard® Credit Card
Save money on interest with a low introductory APR offer and no annual fee.
Entry LevelPersonal
Mastercard
$0
Annual fee
—
Top rate
N/A
Foreign fee
N/A
Rating
Pros & Cons
Pros
- No annual fee
- 0% intro APR for 21 billing cycles on purchases and eligible balance transfers
- No penalty APR
- $0 Liability Guarantee for fraud
Cons
- No rewards or cash back program
- Balance transfers limited to within 60 days for intro APR
- Post-intro APR up to 25.99%
Key Takeaways
- 0% APR for 21 billing cycles on purchases and balance transfers within 60 days
- No annual fee and no penalty APR
- $0 Liability Guarantee protects against fraudulent charges
- Access to credit education resources
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 14.99% - 25.99%0% intro APR for 21 months
- Balance Transfer APR
- 14.99% - 25.99%0% intro APR for 21 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
2 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the BankAmericard® Credit Card?
The card has no annual fee. This applies every year with no waiver conditions mentioned.
What are the introductory APR details?
There is a 0% APR for 21 billing cycles for purchases and for balance transfers made within 60 days of opening the account. After that, the variable APR ranges from 14.99% to 25.99%.
Does this card have a rewards program?
The card does not offer rewards or cash back. It focuses on interest savings through the introductory APR period.
What is the $0 Liability Guarantee?
Cardholders get $0 Liability Guarantee for fraudulent transactions. This provides protection against unauthorized charges.
Is there a penalty APR?
There is no penalty APR. Paying late will not automatically raise the interest rate, though other account terms apply.
What balance transfer rules apply?
Balance transfers must be made within 60 days of account opening to qualify for the 0% introductory APR for 21 billing cycles. The intro APR for balance transfers is 0%.
What other benefits does the card offer?
Benefits include access to credit education on topics like responsible credit card use and budgeting. It is a Mastercard network card.
About This Card
Ideal for those with existing debt looking to pay it down without interest during a long introductory period, or for new purchases financed interest-free for 21 billing cycles.
Enjoy no annual fee with the perfect card if you want to save money on interest and pay down balances faster. It offers a 0% introductory APR for 21 billing cycles on purchases and balance transfers, with no penalty APR.
It offers one of the longest 0% introductory APR periods at 21 billing cycles for both purchases and balance transfers, plus no penalty APR, in the entry-level category.
Ready to Decide?
Apply for the BankAmericard® Credit Card
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
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- 2 of 2 benefits rated high confidence
- 2 source citations across benefits
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