BankAmericard
By Alex Compton · Last verified
No rewards, no frills, 21 billing cycles of 0% interest.
Welcome Bonus
None
No welcome offer; 0% intro APR for 21 billing cycles on purchases and on balance transfers made within 60 days confirmed
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.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmedNo welcome offer; 0% intro APR for 21 billing cycles on purchases and on balance transfers made within 60 days confirmed | Bank of America BankAmericard product page → |
| 2026-06 | 0 | No recorded spend | Offer ended: 10,000 → 0 · Spend: $1,000 → $0 · Window: 3 months → 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 ledger- confirmed
No annual fee, 0% intro APR for 21 billing cycles, 5% balance transfer fee and no penalty APR confirmed
Bank of America BankAmericard product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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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