Select Page
Stay updated on new credit card offers
Not Affiliated

welcome offer

Earn a $100 statement credit after spending $1,000 within the first 90 days. Intro 0% APR for 18 months on purchases and balance transfers (after that 15.24% - 25.24% variable).

Bonus Value

Approximately $100

Annual Fee

$0

Card Rewards

No rewards on all purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Bank Americard allows you to have 18 months of 0% APR on purchases and balance transfers. But the card does not earn any rewards.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Max cards: Bank of America will only approve you for a maximum of 2 cards within 2 months, 3 cards within 12 months, and 4 cards within 24 months
  • You cannot get approved if you have more than a total of 5 Bank Of America credit cards open
  • BOA 2/6 cards in 12 months rule: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers. Unless you are a BOA bank account holder, then you can get approved even if you opened up to 6 cards in 12 months
  • 24 month rule: The Bank AmeriCard may not be available to you if you currently have or have had the Bank AmeriCard in the past 24 month period. Based on these terms, it seems that you "may" not be eligible for a new card until your previous card is closed for a full 24 months
  • Apply for two cards: If you apply for one Bank Of America card and get approved, it is recommended to apply for a second card since Bank Of America is very good about approving for two cards, even within the same day

  • Credit bureau: Bank Of America will usually pull your Experian credit report (If you freeze Experian you may be able to call reconsideration and request they pull one of the other credit bureaus)
  • Check application status: You can check your application status  here
  • Reconsideration: If declined you can call 1-888-762-5486 to be reconsidered
  • Quickest way to get my card: You can request Bank of America to expedite your physical card by calling Bank of America customer service. Bank of America will in most cases not offer an instant credit card number for your new card.

Approval Monitor (submitted by HelpMeBuildCredit users)

81% Approved
747 Avg. Score of those approved
19% Denied
Approved 81% (21)
Denied 19% (5)

Credit limit range $1,200-$16,000

Avg. Credit limit$7,748

Approved 81% (21)
Denied 19% (5)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Balance Transfer Terms
  • Balance transfer fee: 3% or $10, whichever is greater
  • You cannot transfer balances from other credit cards issued by Bank Of America
  • To receive the Intro APR Offer, transfers must be completed within the first 60 days of account opening
  • No penalty APR
Welcome Offer Eligibility
The Bank AmeriCard may not be available to you if you currently have or have had the Bank AmeriCard in the past 24 month period. Based on these terms, it seems that you "may" not be eligible for a new card until your previous card is closed for a full 24 months.
Card Details And Benefits
Foreign Transaction Fee

3%

Get started Card not affiliated
Add to compare

People also viewed:

Ink Business Cash

Ink Business Unlimited

Miles & More

Amex Gold Delta

Amex Platinum Delta

Barclays Aviator

Citi AAdvantage Platinum

U.S. Bank Business Cash

JetBlue Plus

Discover It

Chase Freedom

Chase Freedom Unlimited

Blue Cash Everyday

Cash Back College

Citi Double Cash

Blue Business Plus

Blue Business Cash

Blue Cash Preferred

Amex Platinum Business

Customized Cash Rewards

Wells Fargo Propel

Citi Simplicity

Wells Fargo Platinum

Citizens Clear Value

U.S. Bank Platinum

Amex Everyday

Wells Fargo Cash Wise

Citi Rewards Card

KeyBank Latitude

Cash Back Plus

Capital One Quicksilver

TD Cash

Amex Cash Magnet

Platinum Delta Business

Travel Rewards Business

Business Cash Rewards

Avianca Vida

Avianca Vuela

HSBC Gold

U.S. Bank Business Platinum

Diamond Preferred

Amex Green

Amex Everyday Preferred

Priceline Rewards

Upromise Mastercard

Wyndham Rewards

Wyndham Rewards

SavorOne Cash Rewards

BuyPower Business

BuyPower

VentureOne Rewards

SparkMiles Select Business

SparkCash Select Business

Altitude Go

Wells Fargo Rewards

Wells Fargo Signature

Cash Visa Signature

Travel Rewards Students

Travel Rewards

Allegiant

Five Star Bank

Discover It Business

Discover It Student Cash

Discover It Student Chrome

Discover It Chrome

Discover It Miles

Wells Fargo Business Platinum

Freedom Flex

United Gateway

Wyndham Earner Business

Wyndham Earner

Wyndham Earner Plus

Carnival Mastercard

Diamond Resorts Mastercard

RCI Elite

Harley Davidson Visa

Santander Cash Back

TD Double Up

Frontier

JetBlue

Choice Privileges

NBT Bank Platinum

Citi Custom Cash

Wells Fargo Active Cash

Chase Slate Edge

Unlimited Cash Rewards

U.S. Bank Business Triple Cash

TD Business Solutions

Wells Fargo Reflect

Business Unlimited Cash

Business Customized Cash

Platinum Plus Business

Priceline VIP Rewards

M&T Business

GM Rewards

GM Business

Union Bank Platinum Visa

Dime Platinum

Wells Fargo Autograph

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

Download link sent
succesfully

Got it *please check your promotional inbox

Error sending download link

Try Again