Credit Cards (US)

BankAmericard® Credit Card review: low intro APR period

Check out the BankAmericard® Credit Card review to find out the details about the card that helps you establish good financial habits.

BankAmericard® Credit Card: no annual fee and no penalty APR

Use this credit card, paying zero annual fees! Source: The Mister Finance.
Use this credit card, paying zero annual fees! Source: The Mister Finance.

If you need to establish good financial health, this BankAmericard® Credit Card review is definitely worth reading because this card is one of the lowest-cost cards available.

BankAmericard® Credit Card

How to apply for the BankAmericard® Credit Card?

See how to apply for a BankAmericard® Credit Card and enjoy low costs at a 0% introductory APR period for purchases and balance transfers.

In the first place, it doesn’t charge any annual or monthly fees.

Credit ScoreNot disclosed
APRFrom 15.49% to 25.49% (variable) – purchases and balance transfers;
From 18.49% to 28.49% (variable) – cash advances 
Annual Fee$0
FeesBalance Transfer Fee: 3% of each transaction;
Cash Advance Fee: from 3% to 5% of each transaction;
Foreign Transaction Fee: 3% of each transaction;
Late Payment: up to $40
Welcome bonusNone 
RewardsNone

Also, it offers a wide period of 0% APR in the first months of card membership. 

On the other hand, some other fees and rates apply. Then, continue reading to learn more about the advantages and disadvantages attached to this Bank of America credit card.  

How does the BankAmericard® Credit Card work?

BankAmericard® Credit Card is suitable for those who need to establish good financial habits. 

Firstly, the card allows you to access your FICO® Score each month through Online or Mobile Banking.

Therefore, you will be able to check important information about your credit score and reports so that you can track and keep your finances healthy.

Secondly, this card might be a good choice for those who are looking for cards at a low cost. To sum up, the card doesn’t charge any annual or monthly fees, as shown before on this BankAmericard® Credit Card review.

Also, there is no penalty APR. And it offers a wide period of 0% APR on both purchases and balance transfers.

However, check out the conditions below:

  • 0% introductory APR offer for 21 billing cycles for purchases;
  • 0% introductory APR offer for any balance transfers made within 60 days of the account opening.

Fortunately, the credit card gathers other standard and essential features, including a $0 Liability Guarantee, a contactless option, digital wallet technology, account alerts, and more.

BankAmericard® Credit Card benefits

Your online shopping will get better with the 0% intro APR. Source: Canva.
Your online shopping will get better with the 0% intro APR. Source: Canva.

BankAmericard® Credit Card provides you with crucial features that will help you maintain your account and credit in good standing.

In addition, the card offers a good introductory APR period of 0% and doesn’t charge an annual fee or penalty APR.

Pros

  • It offers a good introductory APR period of 0% on both purchases and balance transfers;
  • It doesn’t charge an annual fee or a penalty APR;
  • It gathers important security features;
  • It allows you to track your FICO® Score.

Cons

  • It doesn’t offer rewards or welcome bonuses.

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How good does your credit score need to be?

Even though this information is not disclosed, the card is suitable for those who need to build credit.

Thus, probably fair credit could be accepted in an application.

How to apply for a BankAmericard® Credit Card?

As can be seen on this BankAmericard® Credit Card review, the card is a valuable tool for those who need to establish good financial habits.

So, learn now how to apply for a BankAmericard® Credit Card.

BankAmericard® Credit Card

How to apply for the BankAmericard® Credit Card?

See how to apply for a BankAmericard® Credit Card and enjoy low costs at a 0% introductory APR period for purchases and balance transfers.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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