0% Interest

BankAmericard

Every rate below is the issuer’s own, verified September 3, 2026.

21Months at 0% on transfers

5%Transfer fee

60 daysTo transfer, from opening

Terms apply. See rates & fees on Bank of America. Rankings are pure math, never sold.

The rates

How it earns

Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.

Earn rates BankAmericard

Everything else0x

0% on purchases · 21 monthsintro

0% on balance transfers · 21 months, 5% feeintro

Deadline to transfer · within 60 days of opening the account60 days

Annual fee$0

Know before you apply

Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
Transfer inside the first 60 days0% runs 21 billing cycles on purchases, and on balance transfers made within 60 days of opening the account. After that, 14.99% to 25.99% variable.
The 5% transfer fee has no intro discountIt applies to every balance transfer, from day one.
No penalty APRA late payment does not raise the rate on this card.
It earns nothingNo rewards and no welcome offer. This card is the 0% window and nothing else.
The issuer’s terms governRates, fees and bonus conditions are set by Bank of America and change without notice. Confirm the current offer before you apply.
Where these numbers came fromCollected by hand from Bank of America’s own published terms, last verified September 3, 2026.

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