Bank of America · Visa

BankAmericard® credit card

Credit Signature 0% Intro APR · 18 mo

$0 Annual Fee

16.24%–26.24% Variable Purchase APR

670+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases This card does not offer a rewards program for purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Free FICO Score Access Cardholders can access their FICO® Score for free within the Bank of America Mobile Banking app or online banking.	Lifestyle	Free access
Account Alerts Allows cardholders to stay informed about their spending and account activity through customizable email or text alerts.	Security	—
Emergency Card Replacement Provides assistance with replacing a lost or stolen credit card, often with expedited delivery. This is a standard service offered by Bank of America for its credit cards.	Security	Expedited replacement
Emergency Cash Disbursement Provides emergency cash advances if a credit card is lost or stolen, subject to available credit and verification. This is a standard service offered by Bank of America for its credit cards.	Security	Cash advance
Zero Liability Fraud Protection Protects cardholders from unauthorized transactions made with their BankAmericard credit card. Cardholders are not held responsible for fraudulent charges.	Security	—

Interest Rates

Intro Purchase APR for 18 months

Intro BT APR for 18 months

Purchase APR16.24%–26.24% Variable

Balance Transfer APR16.24%

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$1

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 3% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood to Excellent

Approval OddsVery Good

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Bank of America products, excessive credit cycling, unusual spending patterns inconsistent with declared income, defaulting on other Bank of America accounts (e.g., checking, savings, loans), frequent balance transfers without new spending, or suspected bust-out activity.

Cliff Effect Rules

While the BankAmericard itself does not have specific 'cliff effect' rules related to card families or upgrade/downgrade paths, Bank of America's Preferred Rewards program can significantly enhance earning rates on other Bank of America credit cards (e.g., Customized Cash Rewards, Travel Rewards) based on combined asset balances. This program does not directly impact BankAmericard application eligibility or benefits, as the BankAmericard is primarily an intro APR and basic credit-building product.

International Friendly

May have limitations for international use.

Additional Issuer Rules

The BankAmericard typically offers an introductory cash bonus (e.g., $200) after meeting a specified spending threshold (e.g., $1,000) within the first 90 days of account opening, alongside an introductory APR period on purchases and/or balance transfers. Eligibility requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate good to excellent credit history (typically FICO score 670+) with sufficient income. Bank of America enforces a strict application policy known as the '2/3/4 Rule' for new credit card accounts: applicants are generally limited to no more than 2 new Bank of America cards in the past 2 months, 3 new Bank of America cards in the past 12 months, and 4 new Bank of America cards in the past 24 months. This rule applies across all Bank of America branded credit cards.

Bank of America

Annual Fee

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APR 16.24%–26.24% Variable

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