Who it's for
Anyone who needs a long runway to pay off a large purchase or transfer a balance without paying interest
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
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 |
You'll be redirected to bankofamerica.com
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
You'll be redirected to bankofamerica.com
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