Bank of America · Visa
BankAmericard
Annual Fee
$0
Sign-Up Bonus
N/A
0Base Rate
1x
on everything
Best For
21 months at 0% with the lowest ongoing APR after the intro ends
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + 21 billing cycles 0% on purchases and balance transfers — tied for longest available
- + Lowest ongoing APR range of the long-window cards (14.99%–25.99%)
- + No annual fee, no penalty APR
Cons
- - No rewards — this card is for borrowing, not earning
- - 5% balance-transfer fee
- - Transfers must post within 60 days of opening
Rates and fees may vary.See current rates, fees, and terms on Bank of America's site
Recommended credit score: 670+
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.