BankAmericard is a credit card with an initial APR of 0% for 21 billing cycles for all purchases and balance transfers within the first 60 days.
Once the introductory APR offer ends, a variable APR from 14.24% to 24.24% will be applied. A 3% fee (minimum of $10) applies to all balance transfers.
BankAmericard®
No annual fee No penalty APRIt also offers the standard benefits of paperless statements, access to FICO scores, protection of overdrafts (a fee is charged), account alerts, and an online platform with banking services, when it comes to more common benefits that are practically a must-have. a credit card BankAmericard may have at least one option to consider.
Other card details
Perfect for cardholders who intend to use the card to consolidate credit card debt as it has an introductory 0% APR for the first 60 days, remembering that you need to transfer your balance within the first 60 days of opening the account., and if you don’t, you may miss the zero-interest promotion.
Also, keep in mind that an introductory APR period of 21 billing cycles is one of the longest available for balance transfers if not the longest. It is by no means common to find balance transfer cards that offer such low periods for as long as BankAmericard.
A credit card whose main function is to help pay your balance, which unfortunately does not have many additional features (like any other card of its type). However, it does have some unique advantages that you can access outside of the basic overdraft protection service. $0 fraud liability, digital wallet integration, and on top of that completely free access to the FICO Score updated every month.
While BankAmericard does not have common reward promotions, it does offer opportunities to earn 5% to 15% cashback for all purchases made at participating merchants with the BankAmerica Deals program (BankAmericard purchases only).
You can activate limited-time offers for other retailers’ restaurants in your Bank of America online account, which over time will earn you ´´coins“ for bigger bonuses.
Learn more about BankAmericard Credit Card
BankAmericard is generally a low-cost credit card. While the upper end of the $24.24 variable APR is not cheap, the lower end is very low compared to market averages. With a 3% balance transfer fee, which is an inconvenience, it is almost half of what some cards usually charge.
Although, paying late may incur a late fee (we recommend that you see the terms for more information) and using the card abroad will incur a 3% foreign transaction fee, this card doesn´t charge annual fees (which is one less burden on your back) and doesn’t raise interest for APR fines in case you accidentally miss a payment deadline.
Other Benefits of the Card
- Paperless Statements: Contribute to the environment and skip the use of snail mail.
- Digital wallet and contactless chip technologies: More practicality and convenience for the consumer.
- Online and Mobile Banking: Gives you the ability to manage your accounts across platforms and apps.
- Overdraft Protection Services: Protect your overdrafts to Bank of America bank accounts for a fee.
- $0 Liability Guarantee: The holder will not be held responsible for unauthorized charges.
- Access to FICO Score: Ample access to the cardholder’s FICO score will be provided free of charge.
How to apply this credit card?
Applying for the BankAmericard Credit Card is a straightforward process, designed to be accessible and convenient for everyone. This guide will walk you through each step, ensuring you can confidently apply for this popular financial tool.
- Step 1: Check Your Eligibility
Before applying, ensure you meet the basic eligibility criteria for the BankAmericard Credit Card. This usually includes age, income, and credit history requirements. - Step 2: Gather Necessary Information
Prepare necessary documents such as your Social Security number, income details, and employment information. Having these at hand will streamline the application process. - Step 3: Visit the Official Website
Go to the Bank of America’s official website. Look for the BankAmericard Credit Card section. This is a crucial step to ensure you’re accessing the correct and secure application platform. - Step 4: Fill Out the Application Form
Carefully fill in the online application form. Provide accurate and up-to-date information to avoid delays in processing. - Step 5: Review and Submit
Double-check your application for any errors. Once satisfied, submit your application. You’ll typically receive a response swiftly, thanks to the efficient processing system of Bank of America. - Step 6: Await Confirmation
If approved, you will receive your BankAmericard Credit Card and related information via mail. Be sure to read through all accompanying materials for a clear understanding of your card’s features and benefits.
Applying for the BankAmericard Credit Card is simple and user-friendly. By following these steps, you can enjoy the benefits of this reputable credit card with ease. Remember, responsible credit management starts with understanding your financial tools, so take the time to learn about your new card’s features and benefits.
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