A straightforward credit card focused on saving you money with long intro APR offers, no annual fee, and strong account protections.
Luana Ribeiro · May 26, 2025 · 3 minutes
The BankAmericard® Credit Card is ideal for consumers looking to minimize interest costs and pay down existing balances.
It’s not about earning rewards — it’s about saving money and giving you breathing room with your finances.
0% Intro APR for 18 Billing Cycles
Enjoy 0% APR on purchases and balance transfers for the first 18 billing cycles (for transfers made within 60 days of opening your account).
This makes it one of the longest intro APR offers available — perfect for financing a large expense or consolidating debt.
No Annual Fee There’s no annual fee, so you won’t pay to carry the card — all your savings go directly toward your financial goals.
No Penalty APR Unlike many cards, the BankAmericard® won’t automatically raise your interest rate if you miss a payment. That adds an extra layer of forgiveness if you run into a rough month.
Intro Balance Transfer Fee Benefit from a reduced 3% balance transfer fee (for transfers made in the first 60 days). After that, the fee returns to 4%.
FICO® Score Access Track your credit health easily — you can opt in to see your FICO® Score updated monthly for free through Online or Mobile Banking.
Account Alerts Set up text or email alerts for upcoming due dates, posted payments, and large transactions — helping you avoid late fees and monitor suspicious activity.
Digital Wallet Compatibility Add your card to Apple Pay®, Google Pay™, or Samsung Pay® and make secure, contactless payments in stores or online.
Balance Connect® Overdraft Protection Optionally link your eligible Bank of America® checking account to the card to cover overdrafts and prevent declined transactions. No transfer fees apply.
Paperless Billing Go paperless to increase security and reduce waste. You can easily view statements and manage your account online.
Fraud Protection Includes $0 Liability Guarantee for unauthorized transactions and proactive fraud monitoring for abnormal activity.
The BankAmericard® Credit Card is built with simplicity and savings in mind — an excellent option for people who want to get their finances under control without worrying about rewards categories or fees.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.