Bank of America
BankAmericard Credit Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Bank of America BankAmericard Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
The fine print
- Intro APR
- 0% for the first 21 billing cycles
- Regular APR
- 15.24% to 26.24% variable
- Foreign fee
- Not specified
- Rewards paid as
- Cash back
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 0% introductory APR for the first 21 billing cycles, making it ideal for those looking to save on interest
Sign-up bonus
None
Best for
- Keeping costs at $0
Not ideal for
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 21 billing cycles
- Regular APR
- 15.24% to 26.24% variable
- Balance transfer fee
- 5% of each transaction
- $1200/mo on everyday spending earns about $144/year (1%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
BankAmericard Credit Card: questions people ask
Is the Bank of America BankAmericard Credit Card worth it?
With no annual fee, the Bank of America BankAmericard Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
What is the Bank of America BankAmericard Credit Card annual fee?
The Bank of America BankAmericard Credit Card has no annual fee ($0).
What does the Bank of America BankAmericard Credit Card earn?
0% introductory APR for the first 21 billing cycles, making it ideal for those looking to save on interest.
What credit score do you need for the Bank of America BankAmericard Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Bank of America BankAmericard Credit Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
Does the Bank of America BankAmericard Credit Card have a 0% intro APR?
0% for the first 21 billing cycles. After that the regular APR is 15.24% to 26.24% variable.
Compare BankAmericard Credit Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Bank of America product page. Terms change often; confirm them with the issuer before you apply.