BankAmericard

Bank of America · Visa

Best for

The lowest ongoing APR range here, alongside a 21-cycle 0% window.

Apply on Bank of America Compare cards

Annual fee

None

FX fee

N/A

Purchase APR

14.99%

Income req.

N/A

Recommended credit score

690+

Approval difficulty

Moderate approval

VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Perks

0% intro APR for 21 billing cycles on purchases
0% intro APR for 21 billing cycles on balance transfers made in the first 60 days
Good to excellent credit, roughly 690 and above

Frequently asked questions

Is the BankAmericard worth it?

It has no annual fee. It's best suited to the lowest ongoing APR range here, alongside a 21-cycle 0% window. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.

What credit score do you need for the BankAmericard?

We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.

Written by

VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“BankAmericard Review.” VaultNerd, https://www.vaultnerd.com/credit-cards/bankamericard, updated August 2026.

Sources

Bank of America published product page and cardholder agreement