BankAmericard Credit Card
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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.
View OfferNo 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
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.
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)ShowHide
- 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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Earn
View OfferAffiliate 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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