BankAmericard® credit card full review

Every now and then we may buy something that puts us in a bad spot financially. If this is your case, you need to take a look at this card.

Keep reading and learn more about the BankAmericard® credit card

After the holidays, you’re not the only one who may have noticed that your credit card debt is accruing a high-interest rate.

Many consumers are unsure about how they will pay off their load.

With the typical American having a credit card debt of around $6,194 and the total national credit card debt reaching an all-time high of $930 billion, high-interest debts are really an issue for many people!

Many cardholders, even for the credit cards they use every day, are unaware of their APR. If this describes you and you use credit cards to carry a load, you’d probably be surprised to learn how much interest you’re actually paying.

The BankAmericard® credit card can help with that. Despite lacking many of the frills of popular rewards credit cards, it offers value where it counts most: interest.

Do you need to pay off high-interest credit card debt? The BankAmericard® credit card is your best option in that case. If you find yourself with expenses to pay, don’t be hard on yourself.

Nearly 25% of Americans make purchases they later regret. You may put buyer’s remorse to rest and get back on track by finding a suitable balance transfer card.

Keep reading so you will be able to have a better understanding of how the BankAmericard® credit card works and how you can use it for the biggest of your advantages.

How do the BankAmericard® credit card works?

The BankAmericard is not a rewards credit card; rather, it is a balance transfer credit card. When you’re attempting to reduce your debt, it’s not necessarily a terrible thing to lack a rewards program.

It’s crucial to concentrate on paying off the debt and put aside concerns about receiving rewards.


The BankAmericard may be the best credit card for you if you want to get out of debt, raise your credit score, and be approved for loans that need good credit, even though it’s not the fanciest card on the market.

With a $0 fraud liability guarantee, it safeguards your credit score, and the account alerts help you remember when payments are due.

Every month, your FICO score is updated, which can help you stay motivated while you pay off debt.

Transferring a balance to BankAmericard is rather easy if you determine the card is right for you.

To be eligible for the offer, you must transfer your balance within the first 60 days. It’s also important to keep in mind that you cannot transfer a balance from another Bank of America card, so if you have debt on one of their cards, you will need to select a different deal.

There are certain differences between qualifying for approval and qualifying for a balance transfer, and if your debt-to-income ratio is too high, you might not be able to transfer.

If you are eligible, be sure to keep using your old card to make payments until the transfer is processed, which could take up to 14 days.

BankAmericard® credit card’s main benefits

0% Intro APR

Numerous rival cards with 0% introductory APRs provide either a lengthy 0% introductory APR for purchases or for balance transfers, but often not both at the same time.

The intro APR on purchases and debt transfers made within 60 days on this card is 0% for 21 billing cycles.

We start with this benefit because it genuinely makes this card stand out in a crowded market.

Lack of Penalty APR

Credit card companies frequently hit late-paying consumers with a higher or penalty APR. This one states that a late payment won’t necessarily increase a customer’s APR, so cardholders shouldn’t panic if they miss a payment deadline.

Free FICO® Score

The free FICO® Score is a wonderful perk that BankAmericard® credit card members will appreciate despite becoming a more widespread reward in the credit card industry.

The issuer’s online banking interface or mobile app can be used to see the score, which is updated each billing cycle.

How to apply for a BankAmericard® credit card?

If you find yourself interested in applying for this amazing card, check out our article regarding on how to apply for it

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