BankAmericard
By Alex Compton · Last verified
No rewards, no frills, 21 billing cycles of 0% interest.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Offer ended: 10,000 → 0 · Spend: $1,000 → $0 · Window: 3 → 0 monthsNo welcome offer | Archive record · no attached snapshot |
| 2024-01 | 10,000 | $1,000 in 3 mo | Earliest record$100 statement credit offer ran periodically | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards on any purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦0% intro APR for 21 billing cycles on purchases and on balance transfers made in the first 60 days
- ✦No penalty APR for late payments
- ✦Free FICO score access
Why it earns its spot
- +One of the longest 0% intro windows on the market
- +No annual fee and no penalty APR
Where it costs you
- −Earns nothing, ever
- −5% balance transfer fee takes a real bite
- −3% foreign transaction fee
The Compound Verdict
This card exists to do one job: give you almost two years of breathing room on a balance. It does that job as well as anything on the market. Once the intro period ends, move your spending to a card that actually pays you.
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