Credit card

Bank of America BankAmericard® Credit Card

No rewards

MASTERCARD

Apply for Bank of America BankAmericard® Credit Card

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Card review

Bank of America BankAmericard® Credit Card

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

21-month 0% intro APR for purchases and balance transfers

Fee: No fee
Purchase APR: 14.99% - 25.99%
Interest-free: -
Foreign fee: 3%

Rewards

No rewards program. Card is optimized for balance transfers and low-interest financing.

Our verdict

What stands out, and where it falls short.

What we like

No card fee
Pay in installments

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the Bank of America BankAmericard® Credit Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 14.99% - 25.99%
Interest-free period: -
Foreign transaction fee: 3%
Intro APR: 0% for 21 billing cycles on purchases and balance transfers made within 60 days
Regular APR: 14.99%–25.99% variable
Balance Transfer Fee: 5% of each transaction

Rewards and features

Rewards: No rewards program. Card is optimized for balance transfers and low-interest financing.
Installments: Custom Pay Plan available for eligible purchases $100+
Pay with: Apple Pay, Google Pay, Contactless
No Penalty APR: Interest rate does not increase upon late payment
No Rewards: This card earns no cash back, points, or miles

Benefits and perks

Extras that come bundled with the card.

No Penalty APR

APR does not increase as a penalty for late payments

Bank of America BankAmericard® Credit Card: your questions answered

Does the Bank of America BankAmericard® Credit Card have a card fee?

No - the Bank of America BankAmericard® Credit Card has no card fee.

What rewards does the Bank of America BankAmericard® Credit Card earn?

The Bank of America BankAmericard® Credit Card earns No rewards program. Card is optimized for balance transfers and low-interest financing..

Does the Bank of America BankAmericard® Credit Card charge foreign transaction fees?

Yes - the Bank of America BankAmericard® Credit Card charges a 3% foreign transaction fee.

What is the interest rate on the Bank of America BankAmericard® Credit Card?

The Bank of America BankAmericard® Credit Card has a purchase APR of 14.99% - 25.99%.

Can I pay in installments with the Bank of America BankAmericard® Credit Card?

Yes - Custom Pay Plan available for eligible purchases $100+.

Is the Bank of America BankAmericard® Credit Card a credit, debit or prepaid card?

The Bank of America BankAmericard® Credit Card is a credit card issued by Bank of America on the Mastercard network.

Does the Bank of America BankAmericard® Credit Card support Apple Pay and Google Pay?

Yes - the Bank of America BankAmericard® Credit Card works with both Apple Pay and Google Pay.

Where can I get the Bank of America BankAmericard® Credit Card?

The Bank of America BankAmericard® Credit Card is currently offered in United States.

How does DebitCue rate the Bank of America BankAmericard® Credit Card?

DebitCue rates the Bank of America BankAmericard® Credit Card 4.1 out of 5 (8.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Bank of America BankAmericard® Credit Card?

Use the Apply now button to continue on Bank of America's secure site. Comparing and applying through DebitCue is free.