80,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
Bank of America
BankAmericard®
The BankAmericard® is built primarily for individuals looking to pay down existing credit card debt or manage upcoming expenses with lower interest costs. It functions strictly as a financial management tool rather than a card for daily spending.
Annual Fee
$0
Rec. Credit Score
Good
Good For
Consolidating balance transfer debt
All information about BankAmericard® has been collected independently by MaxRewards. BankAmericard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the BankAmericard® worth it?
This card is great for...
Debt consolidation
Interest cost reduction
The BankAmericard® makes sense if your primary goal is securing a lower interest rate to pay off existing high-interest balances from other cards. Because there is no annual fee, your savings on interest go directly toward reducing your principal balance, making it a focused option for debt payoff strategies. Outside of debt management, the card offers little ongoing value. With no rewards program or extra perks, it is not designed for everyday purchases, and anyone who does not need balance transfer utility will be better off choosing a cash-back card.
MaxRewards Verdict
This card works well for reducing interest charges on existing debt, but its complete lack of rewards makes it unsuitable for ongoing purchases.
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
15.24% - 26.24%
Variable
Transfer APR
15.24% - 26.24%
Variable
Cash Advance APR
29.49%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$0.05
Cash Advance
$5
Late Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Bank of America
See all 42 cards
70,000 Points
Worth $1,050
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Dining
- 4.5%Hawaiian Air
Annual Fee
$395
Rec. Credit
Good
95,000 Points
Worth $950
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Sonesta
- 2%Airline
- 2%Dining
Annual Fee
$75
Rec. Credit
Good