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BankAmericard® Credit Card

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Save on interest

0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 15.24% - 25.24% will apply. 3% Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

Card Details

Card Details

No annual fee

Enjoy no annual fee with the perfect card if you want to save on interest and pay down balances faster

Low Introductory APR Offer

Introductory 0% APR for your first 18 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 15.24% to 25.24% will apply. 3% Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

No penalty APR

No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.

FICO® Score

Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Opt-in to receive your score, the key factors affecting your score, and other information that can help you keep your credit healthy.

Learn more about credit

Access to credit education on topics like using credit cards responsibly, budgeting and more

This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

Interest Rates & Fees Summary

Interest Rates & Fees Summary

Introductory APR

0% for 18 billing cycles

Applies to purchases and to any balance transfers made within 60 days of opening your account

Standard APR

15.24% - 25.24%

variable

Annual Fee

$0

Balance Transfer Fee

3% of each transaction intro balance transfer fee for the first 60 days your account is open.

After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

Security & Features

Security & Features

Stay Protected

We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions. Footnote [1] Learn more at the Security Center  Opens in a new window

Contactless Chip Technology

Simply tap to pay where you see the Contactless Symbol. You can make purchases quickly, easily and securely at millions of locations. Learn more   about Contactless Chip Technology opens in a new window

Balance Connect® for overdraft protection

An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. No transfer fees. Other fees may apply. Footnote [2]

Paperless Statement Option

Opt for paperless credit card statements and increase account security while reducing paper consumption.

Digital Wallet Technology

Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Android Pay™ or Samsung Pay. Learn more   about Digital Wallets Technology opens in a new window

Online & Mobile Banking

Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more. Footnote [3]

Account Alerts

Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid. Footnote [4]

FICO® Score

Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Footnote [5] Learn More   about Free FICO Credit Score opens in a new window

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