If your goal is to pay off your credit card debt, then yearly free BankAmericard® Credit Card Maybe he’s got your attention. This balance transfer card offers one of the longest intro-zero-in test balance transfer periods on the market, as well as a similarly long offer on new purchases (15.24%-25.24% APR fluctuations with purchases and balance transfers (Applies after the intro period).
Although there are no ongoing rewards and welcoming bonuses, BankAmericard offers easy money-saving benefits and makes it a valuable option in return for your debt.
BankAmericard’s profits
While there may be few benefits associated with BankAmericard, the potential impact each of them can be significant. This is a major advantage.
Intro APR offers and minimal fees
If you are working on repayment of your debt, there will be no intro APR offers and no annual fees for this card. Here are just a few ways you can save it with this card.
Fraud protection and credit building capabilities
If your card number is stolen, discover how this card can protect you and how it helps you maintain your credit range.
$0 fraud liability
If you use your card or card number to make fraudulent transactions, you can easily rest from being covered by Bank of America’s $0 fraud liability perks. If necessary, make sure to report transactions promptly.
FICO score access free
As a BankAmericard cardholder, you can access your FICO credit score for free each month, so you can stay on track when your score changes and see what factors will affect you. To check your score, log in to your account online or via the mobile app.
Benefits
Once a month, enjoy free admission to participating museums and cashback with qualified Bankamerideals retailers.
Our Museum
BankAmericard cardholders are eligible for the Bank of America’s Museums on US program. This little-known advantage available with all Bank of America credit and debit cards allows free general admission to more than 225 cultural institutions in the US over the first weekend of each month.
bank
BankAmericard does not offer a rewards program, but it does provide access to BankAmericdeals. This program allows you to earn cashback or cashback percentages for qualifying purchases with retailers participating in the program. You must activate the transaction before you make a purchase, but you will earn cashback by doing so.
How to Maximize BankAmericard
These tips will help you maximize the benefits featured in BankAmericard.
- I’ll care what your card offers more details: Get the most out of BankAmericard’s benefits by focusing on time-sensitive offers, such as a 0% intro APR for purchases and balance transfers of 18 billing cycles (subsequently varied from 15.24% to 25.24%). Most importantly, if you are interested in completing a balance transfer, please do not lose access to the intro offer within the first 60 days of opening an account.
- Avoid additional debts: The card offers a 0% intro APR period on new purchases, but if you are planning to pay off your existing credit card debt, it is wise to minimize your spending. The worst thing is to spend an extra fee during the payoff window and have more debt than you started.
- Monitor your credit report: Finally, take advantage of free access to your Card’s FICO credit score. If you want to ultimately increase your score well enough to qualify for a more premium reward credit card, monitoring your debt progress is one important step.
Conclusion
Bankamericard’s 0% Introduction to Purchases and Balance Transfers APR is one of the longest offers available in your balance transfer card. This makes the card worth it for those who need enough time to pay off their debts. A great and outstanding FICO score (670 or higher) is required for the best odds to get your card. However, before applying, read our list of the best balance transfer credit cards and choose the best option for your debt payoff needs, compensation goals, and more.
*Information about BankAmericard® Credit Cards and CitiSimplicity® Cards is collected independently by Bankrate. Card details have not been reviewed or approved by the card issuer.
Information about Bank of America products in this post was updated on June 28, 2025.
