BankAmericard
Bank of America · 0% APR & Balance Transfer review
Balance consolidators who want a clean, no-frills 0% intro window from Bank of America — up to 21 billing cycles on both
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
14.99% – 25.99% variable
Variable — verify the current range at the issuer
Intro APR
0% intro APR on purchases and balance transfers for up to 21 billing cycles
Then the ongoing APR applies
As of August 17, 2026
Best for
Balance consolidators who want a clean, no-frills 0% intro window from Bank of America — up to 21 billing cycles on both purchases and balance transfers, with a 5% transfer fee if you move balances within the first 60 days.
Not for
Rewards seekers (no earning program) and anyone carrying a large balance — the 5% transfer fee applies to the full amount moved, so run the math against a lower-fee card before you commit.
The catch
The 5% balance transfer fee applies from day one — there's no lower introductory tier. It's a pure debt-payoff card, so plan to clear the balance before the 21-cycle intro period ends — the regular variable APR applies to whatever's left.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% intro APR on purchases and balance transfers for up to 21 billing cycles
- Ongoing APR
- 14.99% – 25.99% variable
- Balance transfer fee
- 5%
- Schumer Box sourced
- August 17, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when BankAmericard's offer changes.
We track BankAmericard's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the BankAmericard charge an annual fee?
No. The BankAmericard carries a $0 annual fee, sourced from the issuer's published Schumer Box as of August 17, 2026. Rates change — confirm the current terms at the issuer.
What APR does the BankAmericard charge?
14.99% – 25.99% variable. There is also an intro rate: 0% intro APR on purchases and balance transfers for up to 21 billing cycles. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Who is the BankAmericard best for?
Balance consolidators who want a clean, no-frills 0% intro window from Bank of America — up to 21 billing cycles on both purchases and balance transfers, with a 5% transfer fee if you move balances within the first 60 days.
Who should skip the BankAmericard?
Rewards seekers (no earning program) and anyone carrying a large balance — the 5% transfer fee applies to the full amount moved, so run the math against a lower-fee card before you commit.
How did ClearValue score the BankAmericard?
BankAmericard scored 72/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the BankAmericard
Other 0-apr cards we've scored, ranked by our methodology.
- CitiSolid pick
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- ChaseSolid pick
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- DiscoverSolid pick
Discover it Cash Back
88/100Annual fee$0Ongoing APR17.49–26.49%Intro APR0% · 15 moBest forFirst-card or rebuild-tier readers who want a $0 AF card with rotating 5% categories and Discover's year-one Cashback Ma
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