Credit Cards

BankAmericard®

Estimated Rewards

2 Year NetRewards

$0.00

Ongoing NetRewards

$0.00

+ Show Reward Breakdown

Information

Network

MasterCard

Issuer

Bank of America

Credit Rating Required

Good

Rewards

Everyday Rewards

None

Special Rewards

No Special Rewards

Signup Bonus

No Signup Bonus

Features and Benefits

Save on interest

Transfer high rate balances and save on interest.

No annual fee

Enjoy no annual fee with the perfect choice for those seeking a simple yet convenient-to-use credit card

Low Introductory APR Offer

Introductory 0% APR for your first 18 billing cycles for balance transfers made within 60 days of opening your account. After that, a Variable APR that’s currently 11.74% to 21.74% will apply. 3% fee (min $10) applies to balance transfers.

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.

Save more

with the lowest annual percentage rate available among all BankAmericard® products.

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 transactions1

Online Shopping Security

Use the free and easy ShopSafe® service when you shop online to generate a temporary credit card number so your real card number remains completely private and protected. Learn more ShopSafe

Chip Cards

Now with chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries. View chip card FAQs

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. Transfer fees may apply.

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 Digital Wallet

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.

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.

Text Banking

Get the account information you need quickly by text. Simply send a text message and you’ll get a reply in seconds.

FICO®

Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.

Fees and Rates

Annual Fee

$0.00

Foreign Transaction Fee

0%

Annual Percentage Rate

0%

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Maximize Rewards.

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Estimated Monthly Spend

Include all spend at local and national grocery stores, such as Kroger and Whole Foods. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend related to airline, train, bus, taxi/ride-sharing, and hotels.
Include all spend in restaurants, cafés, and bars.
Include all spend in department stores and speciality retailers. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend at gas stations.
Include all other spend not covered in the above categories that you might put on a credit card. DO NOT INCLUDE rent and other bills where there is a surcharge for paying with a credit card.
Monthly Spend:
Annual Spend: