BankAmericard Credit Card

One of the longest 0% intro APR periods available, ideal for financing large purchases or paying down existing debt.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ 21 months 0% intro APR on purchases and balance transfers ✓ No annual fee ✓ Access to Bank of America preferred rewards program benefits
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BankAmericard Credit Card

Visa

Our Verdict Recommended

The BankAmericard is one of the best pure low-interest cards on the market. With 21 months at 0% APR on both purchases and balance transfers, it gives you nearly two years to pay off debt interest-free. No rewards, but that is not the point here.

What it really costs

Annual fee No annual fee
APR Range 15.74% – 25.74%
Minimum credit score 670

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Who it's for

Anyone who needs a long runway to pay off a large purchase or transfer a balance without paying interest

The good and the not so good

  • 21 months 0% intro APR on purchases and balance transfers
  • No annual fee
  • Access to Bank of America preferred rewards program benefits
  • No rewards program
  • 3% foreign transaction fee

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