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AwardWallet receives compensation from advertising partners for links on the blog. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 08/03/2026

Offers for Bank of America cards mentioned in this post have been updated as of 08/03/2026

BankAmericard® credit card
BankAmericard® credit card
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Low Introductory APR Offer 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
BankAmericard® credit card
Low Introductory APR Offer 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
Annual Fee:$0
Show moreWhy We Like It
The BankAmericard® Credit Card delivers an excellent introductory 0% APR offer on purchases and balance transfers for the first 21 billing cycles (then a variable rate applies), making it an attractive option for managing existing debt or large purchases. The card also stands out for having no penalty APR, which means your interest rate won't increase due to late payments. With no annual fee and access to FICO Score for free, it's a practical option for users prioritizing simplicity and cost-effectiveness in their credit card choice.
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