Over $150,000,000 of debt paid off, and counting...

Join other Bright customers who are paying off thousands of dollars of debt.


BankAmericard® credit card

Credit needed
12.99% to 22.99%
Annual Fee

Card Summary

BankAmerica's credit card offers a straightforward but very valuable offer to cardholders: 0% Introductory Interest Rate for the 18 billing cycles of purchases and any balance transfers within the first 60 day.

The variable APR for purchases and balance transfers is 12.99% to 22.99%. Balance transfer fees are 3% with a minimum of $10.

The card does not offer rewards programs, so you might not get much value after your initial promotional period. Some credit cards with 0% APR offer great promotions and a rewards program.

The pros:

Enjoy a long-lasting introductory promotion of 0% APR on balance and purchase transfers.
Has no penalty APR Charges and no annual fee.

This is a great place to be:

Individuals who have to repay a significant balance on another credit card.
Customers looking for a way to pay no interest on a major purchase.
Cardholders who are not interested in paying fees.

Card Summary - Cons

Offers no rewards programs.
There is a 3% balance transfer fee and a minimum of $10.

It's not great for:

Credit card rewards are a priority for consumers who value them.
For those who desire a more extended introductory APR offer.
Cardholders with a remaining balance may continue to have their card after the promotion period.

Rates and fees

Issuer Name
Bank of America
Penalty APR
Credit Needed
Balance Transfer Fee
Balance Transfer Intl APR For balance transfers within the first 60 day, 0% intro-APR is applicable for 18 billing cycles. Transfer fee for balance, you can choose to pay $10 or 3% depending on the transaction amount.
Annual Fee
Cash Advance Fee
12.99% to 22.99%
Foreign Transaction Fee

Here’s a smart way to pay off

Bank of America

The Best Features


Sign up bonus

APR Requirements

Bank America offers a 0% APR promotional offer on all purchases, balance transfers and other transactions within 60 days after opening an account. This promotion is valid for 18 billing cycles.

The variable APR for purchases and balance transfers is 12.99% to 22.99%. U.S. News Research shows that the maximum limit for credit cards with 0% APR is slightly higher than the average.

To avoid any interest fees, if you intend to use your card to finance large purchases or to repay high-interest debts from other cards, pay off the entire balance by the end of the promotion period.



A New Deal! 100 dollar statement credit online bonus for purchases of at least $1,000 within the first 90-days after account opening.

For purchases and balance transfers within the first 60-days, 0% intro APR The 12.99%-22.99% variable APR will be in effect after the initial APR offer expires. All balance transfer transactions are subject to a 3% (min $10), fee.

There is no annual charge.

There is no penalty for APR.

Late payment won't raise your interest rates (APR).

Additional terms and pricing may apply to your account. Your FICO score can be accessed online or through your mobile banking app for free.

Contactless cards - A combination of the security and convenience of a card but with the ease of tapping.

You may miss this online offer if your browser leaves the page or you go to a Bank of America branch.


Bank America's credit card has no penalty interest rate.
This can be applied to other cards when you are late with payments.
Access to your FICO credit score is free of charge and you don't have to pay an annual fee.
To keep your primary card number safe, you can use virtual cards numbers to shop online.

Comparative Analysis with Other Cards

Maximizing Rewards

Annual Fees

There is no annual fee for the card, which makes it easier to get maximum value from the introductory APR offer.

It'll still be difficult to receive tangible benefits after the promotion ends.

Keep in mind, however, that there is a $10 balance transfer fee. This fee equals 3% of your transfer amount.


Do You Need the Bank America Credit Card?

If you are:

You need an APR promotional offer to get you started. Do not worry about earning rewards You want to skip an annual fee. Shop online for extra protection.

Questions about the Bank America Credit Card:

What is the BankAmerica Credit Card?

BankAmerica's credit card has no annual fees and no frills.

Does the Bank America Credit card offer a good credit rating?

BankAmerica cardholders may be able to finance big purchases or pay off their balances with no annual fees. However, the BankAmerica card does not offer rewards programs for credit card holders.

Do I need a good credit score to get a BankAmerica card?

To be eligible for BankAmerica's credit card, you will need to have a minimum 670 credit score. This is because it takes good credit to exceptional credit.


No late fees. Reduced interest charges. Pay off

Bank of America