VisaBankAmericard
No rewards, no frills, 21 billing cycles of 0% interest.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
3% FTF
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards on any purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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