A no-annual-fee card designed for paying off debt — with one of the longest 0% intro APR offers on purchases and balance transfers.
Luana Ribeiro · May 26, 2025 · 3 minutes
If your goal is to reduce interest payments or consolidate high-interest credit card balances, the BankAmericard® Credit Card is built for exactly that.
With one of the longest 0% intro APR periods on the market and no annual fee, it’s an ideal option for managing big purchases or paying down debt responsibly.
Intro APR: Enjoy 0% APR for 18 billing cycles on purchases and on balance transfers made within the first 60 days of opening your account. After that, a variable APR of 15.24% – 25.24% applies.
Balance Transfer Fee: 3% of each transaction during the first 60 days. After the introductory window, balance transfers are charged at 4%.
Annual Fee: There is no annual fee, which helps you keep more money focused on paying down balances — not paying to carry the card.
No Penalty APR: One of the most cardholder-friendly features is that paying late won’t automatically increase your interest rate — giving you added peace of mind during financially tight periods.
FICO® Score Access: You’ll get free monthly access to your FICO® Score through the Bank of America Mobile Banking app or Online Banking. This helps you track your credit health as you reduce debt.
Security & Digital Features: – $0 Liability Guarantee for unauthorized transactions – Account Alerts for due dates, balances, and suspicious activity – Contactless payments, paperless billing, and digital wallet compatibility – Balance Connect® for optional overdraft protection when linked to eligible BofA checking accounts
Who it’s for: The BankAmericard® Credit Card is best suited for people looking to pay off existing balances or finance new purchases over time — not for those seeking rewards or points.
If you want to avoid interest and fees while improving your credit, this card is a top-tier low-interest option.
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.