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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
- Good credit needed
- 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
- Bank Of America will not approve you for a credit card if you have opened more than 2 credit cards (other issuers included) in the past 12 months. (Up to 6 credit cards in the past 12 months for Bank Of America bank account holders)
- 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)
- You can check your application status here
- If declined you can call 1 800 354 0401 to be reconsidered
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
Card Details And Benefits
