The BankAmericard Visa Card is a simple-to-use credit card with a favorable introductory 0 percent APR period on both purchases and balance transfers, and no annual fee.
- 0 percent APR introductory period on purchases and balance transfers. Cardholders receive a 0 percent APR introductory period on both purchases and balance transfers for 15 months. After that, the variable APR is 10.99 to 20.99 percent based on the cardholder’s creditworthiness.
- No annual fee. There’s no annual fee to use the BankAmericard Visa.
- No rewards program. The card requires excellent credit, but does not offer a rewards program. Similar cards like the Citi Simplicity Card offer longer 0 percent introductory APR periods on purchases and balance transfers. Another card, the Discover it, offers a 14-month introductory APR on purchases and balance transfers as well as a generous cash-back program.
Get it if: You have great credit and want a credit card with no annual fee and a long introductory 0 percent APR period on purchases and balance transfers.
Forget it if: You have less than excellent credit, or want a credit card that offers a rewards program in addition to the benefits the BankAmericard Visa offers.
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