On the hunt for a Bank of America credit card? BankAmericard® credit card might be the card you have been looking for. This card offers features such as no annual fee, account alerts and fraud protection.

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BankAmericard<sup>®</sup> credit card

BankAmericard® credit card

APPLY NOWAt Bank of America's secure website
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days

15.24% - 25.24% Variable APR

$0

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Here, GET.com provides answers to key questions about how BankAmericard® credit card works and what it offers.

Frequently Asked Questions About BankAmericard® credit card
Do I pay to use this credit card ?
Is there a penalty if I pay late?
Do I get any special benefits from this card
Is this a good card for international spending?
Can I get this card even if I have bad credit?
Who is this card for?

Questions And Answers For BankAmericard® credit card

Question: Do I pay to use this credit card?

Answer: No, you do not need to pay to use this credit card. BankAmericard® credit card has no annual fee.

Question: Is there a penalty if I pay late?

Answer: Yes, there is a late payment fee of up to $39 if you do not pay on time.

Question: Do I get any special benefits from this card?

Answer: Although there is a late payment penalty fee for this card, paying late will not automatically raise your interest rate. See Terms. Additionally, BankAmericard® credit card lets you access your FICO® Score for free within Online Banking or your Mobile Banking app to help you keep track of your FICO® credit score. Its $0 Liability Guarantee feature also protects you from fraudulent transactions made by others using your account.

Question: Is this a good card for international spending?

Answer: No, BankAmericard® credit card is not a card you should use for spending out of the U.S. or online when you shop from international merchants. A foreign transaction fee applies each time a transaction is made in a foreign currency other than the U.S. dollar or if the transaction is made or processed outside of the United States. This foreign transaction fee is set at 3% foreign transaction fees of the U.S. dollar amount of each of the above-mentioned type of transaction that you make using this card. What's more, BankAmericard® credit card does not reward you on your spending at all in the country, overseas or online. There are other credit cards that are more rewarding for such purposes. For instance, a good rewards or cash back card that offers a zero foreign transaction fee would be a better option if you intend to use it for international spending.

Question: Can I get this card even if I have bad credit?

Answer: No, BankAmericard® credit card is reserved for people with good or excellent credit. It is best that you give this card a miss if you do not have good or excellent credit because getting rejected by a financial institution can be damaging to your credit.

Question: Who is this card for?

Answer: BankAmericard® credit card could be the card for you if you are looking for a balance transfer card. See Terms. One thing to note - BankAmericard® credit card is not tied to any rewards program, so you will not get to earn any sort of rewards, points, air miles or cash back when you use this card to make purchases. If having the ability to earn rewards is equally important to you, you can consider cards like Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer and Blue Cash Everyday® Card from American Express, a GET.com advertiser, instead.

More about BankAmericard® credit card:
Read Our BankAmericard® credit card Review
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