BankAmericard® Credit Card Review

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Bank of America BT CardBank of America is the issuer behind many different credit cards, but only a few of them carry the “BankAmericard” co-branding. I have written up reviews of the BankAmericard Cash Rewards™ Credit Card and the BankAmericard Travel Rewards® Credit Card, but this brief review is specifically to cover the “classic” BankAmericard® Credit Card.

Rewards programs. The BankAmericard® Credit Card does not come with a rewards program. There is no cash back, there is no points system.

There is no annual fee. The card also comes with chip technology for security and ease of use internationally.

  • Introductory 0% APR for your first 15 billing cycles for purchases and for any balance transfers made within 60 days of opening your account. After that, a Variable APR that’s currently 13.24% to 23.24% will apply.
  • $0 balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
  • No penalty APR. Paying late won’t automatically raise your interest rate (APR).
  • No annual fee.

Bottom line. Be careful with the naming structures when picking among cards. The BankAmericard® Credit Card is best if you are looking for the 0% APR with no balance transfer fee. Otherwise, if you are primarily interested in rewards cards then I would look at the BankAmericard Cash Rewards™ and the BankAmericard Travel Rewards® credit cards instead.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.



User Generated Content Disclosure: Comments and/or responses are not provided or commissioned by any advertiser. Comments and/or responses have not been reviewed, approved or otherwise endorsed by any advertiser. It is not any advertiser's responsibility to ensure all posts and/or questions are answered.

Speak Your Mind

*