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Verified Jun 2026

BankAmericard Credit Card

Bank of America Rewards
Bank of America|Personal
/5
Annual Fee
$0
Bonus Value
$0

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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Is this card worth it?
Annual fee
$0
Est. value
$0
Best for
Balance-Transfer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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No sign-up bonus. The BankAmericard is purpose-built as a long-intro-APR balance-transfer / debt-payoff product rather than a rewards card, so Bank of America offers no welcome cash or points incentive at application.

Benefits and fees last verified Jun 2026against the issuer's published terms.

Earning Rates

0x
all purchases

Important considerations

  • Charges foreign transaction fees

    This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.

Based on this card's terms last verified Jun 2026.

BankAmericard Credit Card

Bank of America

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-06-17

No publishable welcome offer (no-current-offer).

  • Charges foreign transaction fees. This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.

Computed 2026-09-15T23:05:10.053Z from the facts above. This is a request-time answer, not something we monitor for you.

Perks & memberships

2
  • Authorized usersAuthorized users can be added at no additional cost.
  • Card networkVisa or Mastercard network - Bank of America issues the BankAmericard on multiple networks depending on application path; verify network at approval before assuming a specific Visa or Mastercard benefits package.

Travel & purchase protections

1
  • $0 fraud liability for unauthorized charges, with real-time account alerts and instant card lock via the Bank of America mobile app.
More benefits & fine print (2)Show
  • 3% foreign transaction fee on purchases made outside the United States or in a foreign currency (Bank of America standard FX-fee policy on its no-frills consumer cards; for fee-free foreign use look at Bank of America Travel Rewards or Bank of America Premium Rewards instead).
  • Bank of America 2/3/4 application velocity rule applies: BoA limits new card approvals to 2 cards in 2 months, 3 in 12 months, or 4 in 24 months per applicant, regardless of credit score, so plan applications accordingly (well-documented across Doctor of Credit and Upgraded Points coverage of BoA's underwriting velocity caps).

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

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How we verified this card (3 sources)Show

Sources last reviewed May 2026.

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Use this for a trip

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