CardCompareHub

BankAmericard® credit card

Mastercard No Annual Fee 0% Intro APR

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BankAmericard® credit card

Credit Score

680 850
Good - Excellent
Apply Now On Bank of America's secure website Terms apply. Approval is not guaranteed.

Annual Fee

$0

Foreign Fee

3%

Purchase APR

0%

Balance Transfer APR

0%

Regular APR

14.99% - 25.99% Variable APR on purchases and balance transfers

Rates & fees apply. See issuer's website for full terms.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Bank of America.

The BankAmericard is a balance-transfer specialist: a long 0% APR window on both purchases and balance transfers, with the trade-off being a higher transfer fee than competitors charge for the intro period. No rewards, no annual fee, no penalty APR for late payments — Bank of America explicitly states that paying late won't automatically raise your interest rate.

The 0% window is among the longest on the market, but the transfer fee is on the high side; competitors like the Citi Simplicity offer a comparable window at a lower intro fee. If you can pay off the balance within the intro window, the longer term doesn't matter; the lower fee does. This card wins when you want the no-penalty-APR safety net more than the lowest possible fee.

Card Details

  • New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Also in: Top Credit Cards 2026 Low Interest No Annual Fee

BankAmericard® credit card

Ready to apply? Visit the issuer's secure site.

Apply Now On Bank of America's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.