I applied for this card with Poor odds according to credit karma ( TU 646 EQ 656). I have 8 store cards, 3 with a small balance. All payments on-time. No collections. Very short credit history due to paid off loans, closed accts etc. 32 hard inquiries in the last 2 years due to car shopping and applying for some cards, which I was approved for most. BOA approved me instantly online with a $2k credit limit. This is my first non-store card and am very happy they gave me a chance.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% intro for 18 Billing Cycles on qualifying transfers
- Balance Transfer Regular APR 11.24% - 21.24%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 11.24% - 21.24%* Variable
If you don’t want to pay a lot in interest and fees, the BankAmericard® credit card could be a solid choice.
What to Like
There’s a 0% intro APR on balance transfers for the first 18 billing cycles. There’s also no annual fee.
Look Out For
Though there’s a low intro APR on balance transfers, you’ll still have to pay a balance transfer fee. There’s also no intro APR on purchases and no rewards program associated with this card.
Most Helpful Positive Review
Most Helpful Negative Review
I opened this card up back in November. I have made all of my payments on time and kept a utilization below 10%. I always pay in full after the statement and pay zero interest. Apparently, BoA is not happy about not making money off me. Today I got my statement for this month. I logged in to pay. My "pay from" checking account which happens to be Wells Fargo was BLOCKED. It literally would not let me pay my bill and this thing pops up that says "open up a checking account with us to pay your bill." Are you freaking kidding me? They are intentionally and probably illegally blocking me from making my payment to blackmail me into getting an account with them. I've had my Wells Fargo checking account for over 12 years and never had an issue with paying any credit card. I have 10 credit cards. I also have paid THIS ACCOUNT with THAT CHECKING ACCT for 4 months and suddenly "they can't verify my bank account." I verified that the account info was correct even though I knew it was because, hello! I've already made several payments, and it was correct. I'm going to mail them a cashier's check for the $25 bucks I owe them from my checking account they refuse to acknowledge and have them close this card. What a joke.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.