When you apply for the BankAmericard® Credit Card, you get the ability to finance your credit card debt or make large purchases interest-free for the first 21 billing cycles. So long as you do so within the first 60 days of membership.

This is a no-annual fee card for people with excellent credit to manage their expenses and consolidate credit card debt to reduce it.

There’s no rewards program, and Bank of America charges a balance fee per transaction of 3% of the amount.

But cardmembers get access to additional perks like protection against fraudulent activity, free access to their FICO® Score, overdraft protection, digital wallets, and mobile and online banking. 

With your BankAmericard® Credit Card, Bank of America offers educational tools to help you better manage your finances.

This is a card that works even better when you pair it with a rewards card that matches your spending.

So if you believe this credit card has what it takes to be part of your wallet, keep reading to learn how you can easily and quickly apply for the BankAmericard® Credit Card!

Before you apply for the BankAmericard® Credit Card, make sure you’re eligible for it.

Since Bank of America doesn’t offer a pre-qualification process, applying for this card without meeting its eligibility criteria might affect your credit score negatively. 

If you do qualify, applying for the card is a breeze. Access Bank of America’s official website and right on the main page you’ll be able to locate the BankAmericard® Credit Card.

Click on it and begin your application. If you already bank with BofA, logging into your account will speed up the process.

If you don’t, scroll down and begin writing down all the required information. Check all necessary boxes and take a couple of minutes to read the Terms & Conditions. 

Next, click on “save and continue”. The bank will evaluate your application and give you a response in as little as 30 seconds.

If you’re approved, Bank of America will relay your offer and you can accept or deny it.

By accepting it, you’ll have to sign an electronic contract and wait for the card to be issued to your address.

Once you get the card, you can activate it online, using the app, or by calling customer service at the number on the back of your card. 

You can also apply for the BankAmericard® Credit Card using Bank of America’s official mobile app. Download it for free at your preferred online store and create an account.

Then, locate the BankAmericard® on the “credit cards” tab and begin your application. 

The process is very similar to the online version. If you have any issues with your application, you can ask Bank of America’s online helper for assistance.

If you’d like to check out another balance transfer credit card, we recommend the Citi Simplicity® Credit Card. This Citi alternative offers 21 months of 0% APR on BTs and has no annual fee.

Check the following link to learn what else the Citi Simplicity® Credit Card has to offer. We’ll also look over its application process so you’ll know what to expect.