Straightforward 0% intro APR with a limited-time low BT fee from Bank of America.
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Good–Excellent credit — 670+ FICO typical; hard pull required
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Existing Bank of America customers and people who want a clean, no-rewards debt-payoff card with a long intro window.
The BankAmericard Credit Card has no annual fee. The balance transfer fee is 3% on transfers completed within the first 60 days (minimum $10), then rises to 4%. The intro APR is 0% for up to 18 billing cycles on purchases and balance transfers; after that, the regular variable APR applies — verify current rate at bankofamerica.com.
| Year 1 value | Ongoing value |
|---|---|
| 0% APR up to 18 billing cycles on BTs and purchases; 3% BT fee if transferred within first 60 days | No annual fee; regular variable APR post-intro; no rewards program |
| BT fee rises to 4% after 60-day intro window — initiate transfers early | |
BankAmericard® Credit Card — Straightforward 0% intro APR with a limited-time low BT fee from Bank of America. Best for: Existing Bank of America customers and people who want a clean, no-rewards debt-payoff card with a long intro window.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Bank of America discloses an intro 0% APR for up to 18 billing cycles on qualifying purchases and balance transfers, as verified June 2026. Confirm the current offer at bankofamerica.com before applying — terms may have changed.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The BankAmericard® Credit Card is issued and operated by Bank of America, N.A. APRs, fees, and terms are determined solely by Bank of America and may change — verify current terms at bankofamerica.com before applying.
As disclosed by Bank of America (verified June 2026), the BankAmericard charges a 3% balance transfer fee on transfers made within the first 60 days of account opening (minimum $10). After the 60-day window, the fee rises to 4% (minimum $10). Initiating your transfer early locks in the lower rate — on a $5,000 balance, the difference is $50. Confirm the current fee and any transfer initiation deadline at bankofamerica.com before applying.
No — BankAmericard is a pure debt-payoff vehicle with no ongoing rewards program, no cash back, and no travel perks. After the intro 0% APR period, the regular variable APR applies to any remaining balance. Bank of America Preferred Rewards members may receive interest rate discounts on other BofA products, but the BankAmericard's value is primarily the intro APR window for balance consolidation. Confirm any Preferred Rewards benefits at bankofamerica.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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