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Bank of America · Mastercard

BankAmericard® credit card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
See reward details
Intro offer
Intro APR terms may run for 21 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.
Recommended credit
Excellent (720+)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 14.99% - 25.99%
Balance transfer APR
0% intro balance-transfer period for 21 months; variable APR applies after.
Cash advance APR
Check issuer terms
Promo APR length
21 months
Foreign transaction fee
Check issuer terms
Late payment fee
Check issuer terms
Grace period
21 days
Recommended credit
Excellent (720+)
Terms last updated
6/22/2026
Key benefits
  • Intro APR or transfer-focused terms
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card shows cash-back earning from 0% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.

Intro offer: Intro APR terms may run for 21 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.

Card details

Wafacard note: key fit signals include intro apr or transfer-focused terms, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Bank of America
Network
Mastercard
Type
general
Review status
Terms reviewed 6/30/2026

Is BankAmericard® credit card worth it?

The BankAmericard® credit card is a no-annual-fee general card from Bank of America, so you can keep it long term without paying to hold it. New cardholders may also qualify for a welcome offer: Intro APR terms may run for 21 months. Confirm eligible balances, purchases, and post-intro APR with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 14.99% - 25.99%. Confirm current terms on Bank of America's site before applying.

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