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BankAmericard® Credit Card review
Get the full scoop on what the BankAmericard® Credit Card has to offer with our comprehensive review. Learn about benefits, rates and fees, as well as tips and tricks for getting the most out of your card.
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BankAmericard® Credit Card: Get your finances in order with interest-free financing for 21 billing cycles!
Are you looking for an easy and convenient way to finance your debt or make large purchases interest-free? The BankAmericard® Credit Card might be just what you need!
See how to apply for the BankAmericard® Card
Learn how easy it is to apply for the BankAmericard® Credit Card and what benefits you could enjoy when you become a cardholder!
This card is a fantastic tool for people with excellent credit to get their finances on track.
- Credit Score: You need an excellent score to qualify for the BankAmericard®.
- Annual Fee: The BankAmericard® Credit Card has a $0 annual fee.
- Intro offer: 0% APR for the first 21 billing cycles on purchases and balance transfers made within the first 60 days of membership.
- Rewards: There’s no rewards program with BankAmericard®.
- APRs: Once the intro period ends, a variable 16.24% – 26.24% APR applies on both purchases and balance transfers. Cash advance APR up to 31.24%.
- Other Fees: 3% balance transfer fee per transaction, 3% cash advance fee, and 3% foreign transaction fees. Late payment fee up to $40.
With no annual fee, the BankAmericard® Credit Card offers one of the most extensive 0% APR periods of all cards in the market today.
There’s no penalty APR, and Bank of America even offers educational tools to help you manage your finances more efficiently.
So if you’re interested in learning all that the BankAmericard® Credit Card can do for you and your finances, keep reading our comprehensive review below.
By the end of it, you’ll know if this is the card you’ve been looking for!
BankAmericard® Credit Card: What can you expect?
When you apply for a BankAmericard® Credit Card, you can expect a smooth and hassle-free experience. With BankAmericard®, you get access to convenient online and mobile banking services, plus a wide range of exclusive benefits.
The most attractive perk of this particular card is its lengthy low APR period. New members can enjoy 21 billing cycles of 0% APR on purchases and balance transfers made within the first 60 days. Albeit, a 3% balance transfer fee per transaction.
Once that extensive period ends, a variable 16.24% – 26.24% APR applies based on your overall creditworthiness. While the card does not offer any rewards on purchases, you won’t have to pay an annual fee or worry about a penalty APR.
Bank of America offers protection against fraudulent activity, mobile and online banking, free access to your FICO® Score, and educational tools to help you manage your finances and maintain a solid credit profile.
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Do the pros outweigh the cons?
If you’re considering applying for a BankAmericard® Credit Card, it’s important to weigh the pros and cons before making your decision.
After all, it’s likely you’ll be using this card often – and that can have huge implications on your financial life.
Pros
- Get one of the most extensive 0% APR periods on purchases and balance transfers;
- Pay $0 annual fee on your BankAmericard®;
- Get additional benefits such as mobile banking, protection against fraud, and more.
Cons
- You need to have an excellent score to qualify for the BankAmericard®;
- There’s a 3% balance transfer fee for every transaction even during the intro period.
What are the eligibility requirements?
To become eligible for the BankAmericard® Credit Card, you need to be 18 or older, have a valid SSN, and a U.S. mailing address. You also need a solid annual income and an excellent credit score.
Learn how to request the BankAmericard® Credit Card
Are you ready to take control of your finances with the BankAmericard®? With this card, you can have access to a range of benefits that will allow you to make smart financial decisions and stay on top of your spending.
All it takes is a simple application process and before you know it, you’ll be able to reap the special perks. Read on to learn how easy it is to submit an application for the BankAmericard® Credit Card!
See how to apply for the BankAmericard® Card
Learn how easy it is to apply for the BankAmericard® Credit Card and what benefits you could enjoy when you become a cardholder!
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