Bank of America · Visa
BankAmericard
Offer verified 2026-07-27Source: Bank of America official terms
14 / 100
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
No Penalty APR(~$50/yr)
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
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Recommended credit score: 670+
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