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BankAmericard® Credit Card
Issued by Bank of America
Card Rating:2.80
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Annual Fee
$0
Regular APR
14.99% - 24.99% Variable
Additional Information
Balance Transfer Fee
3% (min $10)
Purchase Intro APR
0% for18 billing cycles
Transfer Intro APR
0% for18 billing cycles for balance transfers made in the first 60 days
Late Payment Fee
$38
Returned Payment Fee
Up to $27
Cash Advance Rate
See Terms
Cash Advance Fee
See Terms
Foreign Transaction Fee
3%
Smart Chip
Yes, chip-and-PIN
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Sign-up Bonus
None
Rewards
No Rewards..
Application Requirements
Minimum credit score
Fair
Minimum Age
18 years of age
Cons
- No rewards
How To Apply BankAmericard® Credit Card
You can apply for the ankAmericard® Credit Card by selecting the appropriate Apply Now button below.
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How To Use BankAmericard® Credit Card
Where Can You Use BankAmericard® Credit Card?
You can use BankAmericard® Credit Card online or at the store.
Pay Your BankAmericard® Credit Card Bill On Time
Just be sure to make on-time payments. A late payment could cut the card's introductory period short.
Something About BankAmericard® Credit Card Rewards
NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
No annual fee
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Access your FICO® Score for free within Online Banking or your Mobile Banking app
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About credits-life
About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.
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Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.
- Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
- If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
- If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
- To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
Write A Review
I applied for this card when I had little to no credit history, age 18 with my first job and nothing else. After a $100 collateral they gave me a $500 credit line, so I had a partially secured line of credit. Never had any issues with the card and the BoA mobile app and website are top notch. Their customer service isn't the greatest but I only had to deal with them after a dispute with a merchant.
"I was offered this card after being a Bank of America customer for a little bit. I had no credit history at the time and no job but I was approved for a $500 credit line. After using it for a while, I was able to build credit for a little while and get other credit cards. It is a good stepping stone card but with its lack of benefits, it loses its appeal after a while. I have had it with no late payments for ten months with no credit line increase. I have had absolutely no problems with it.
"Leave boa alone
"They Regularly, Randomly, Block the Card Usage for No Reason! Embarrassing!
I tried to use my BankAmericard VISA at a restaurant in MY neighborhood, at a restaurant where we REGULARLY eat. BankAmericard denied the charge and put a block on my card use. Two hours later BankAmericard sent me a text saying that BankAmericard denied that charge and placed a block on my card because the charge at the restaurant was an 'irregular spending pattern.' Again, this is a restaurant in my neighborhood near my house and I eat there regularly.
This was embarrassing and irritating. This happened in front of my family and friends with whom we were dining. To make it worse I am friends with the owners, as are my in-laws, and my kids went to school with the owner's kids. Even though you know someone you always wonder what is going on with someone who has his credit card use denied...
This is the third time that this has happened. I'm now in the process of obtaining a credit card that is more reliable and has a security/fraud team with IQ's above 10!
"Don't waste your time.
"