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 18 billing cycles on both
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
Variable APR — verify current range at bankofamerica.com
Variable — verify the current range at the issuer
Intro APR
0% intro APR on purchases and balance transfers for up to 18 billing cycles
Then the ongoing APR applies
As of July 8, 2026
Best for
Balance consolidators who want a clean, no-frills 0% intro window from Bank of America — up to 18 billing cycles on both purchases and balance transfers, with a 3% transfer fee locked in if you move balances within the first 60 days.
Not for
Rewards seekers (no earning program) and anyone who can't move their balance quickly — the 3% transfer fee rises to 4% after the first 60 days, so procrastination costs money.
The catch
The 3% transfer fee is time-limited: initiate transfers inside the 60-day window or you'll pay 4%. It's a pure debt-payoff card, so plan to clear the balance before the 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 18 billing cycles
- Ongoing APR
- Variable APR — verify current range at bankofamerica.com
- Balance transfer fee
- 3% (min $10) within first 60 days, then 4%
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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 July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the BankAmericard charge?
Variable APR — verify current range at bankofamerica.com. There is also an intro rate: 0% intro APR on purchases and balance transfers for up to 18 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 18 billing cycles on both purchases and balance transfers, with a 3% transfer fee locked in if you move balances within the first 60 days.
Who should skip the BankAmericard?
Rewards seekers (no earning program) and anyone who can't move their balance quickly — the 3% transfer fee rises to 4% after the first 60 days, so procrastination costs money.
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 whether an honest weakness is 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
Citi Double Cash
89/100Annual fee$0Ongoing APR18.74–28.74%Intro APR0% on balance transfers for 18 months (no intro APR on purchases)Best forReaders who want one flat-rate no-fee cashback card and aren't interested in tracking categories
Fees sourced from issuer terms · 2026-06-29
- DiscoverSolid pick
Discover it Cash Back
88/100Annual fee$0Ongoing APR18.24–27.24%Intro APR0% on purchases and balance transfers for 15 monthsBest forFirst-card or rebuild-tier readers who want a $0 AF card with rotating 5% categories and Discover's year-one Cashback Ma
Fees sourced from issuer terms · 2026-06-29
- ChaseSolid pick
Chase Freedom Flex
86/100Annual fee$0Ongoing APR20.49–29.24%Intro APR0% on purchases and balance transfers for 15 monthsBest forReaders willing to track rotating quarterly categories and activate each quarter
Fees sourced from issuer terms · 2026-06-29
