- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Bank of America BankAmericard credit card is a no annual fee card designed for consumers who prioritize low-interest financing over rewards, making it ideal for individuals carrying a balance or planning a large purchase. With a low introductory APR for 21 months on purchases and balance transfers, cardholders can save on interest costs while paying down debt. While the card does not offer a welcome bonus, cash back rewards, or spending multipliers—and charges a 3% foreign transaction fee—it provides a simple, cost-effective solution for U.S.-based consumers who want predictable interest savings and straightforward credit management without an annual fee.
Pros
No annual fee
Cons
No welcome bonus
3% foreign transaction fee
No spending multipliers
Issuer
Spending Multipliers
Credits & Features
Low Introductory APR for 21 months
Application
- Ability to get some BoA cards without a SSN or credit history
- BoA has a 2/3/4 role, meaning you can only be approved for 2 cards in 2 months, 3 cards in 12 months, and 4 cads in 24 months
- You cannot get this card if you currently have or have had it in the past 24 months
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- 14.99% - 25.99% Variable APR
- 29.24% APR for Cash Advance
- 5% of each cash advance transaction
- 14.99% - 25.99% APR for Balance Transfer
- 5% of each transfer amount