BankAmericard

BankAmericard card art

Bank of America · Credit card · Balance transfer & 0% APR

4.5 Debt Sunset rating vs. other balance transfer & 0% apr cards

Up to 21 billing cycles of 0% intro APR plus one of the lowest regular APR ranges: a strong debt-payoff card with no annual fee.

Rates, fees and offers

Regular APR
14.99%–25.99% variable
Annual fee
$0
Promo offers
0% intro APR for 21 billing cycles on purchases and on balance transfers made within 60 days of account opening.
Balance transfer fee
5% of each transaction
Rewards
No rewards. No penalty APR.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Balance transfers must be made within 60 days to get the intro rate. The 5% transfer fee is higher than some rivals.

Paying and contacting Bank of America

Customer service
1-800-421-2110 · 24/7
Lost, stolen or fraud
800-732-9194
Pay by mail
Bank of America
P.O. Box 15019
Wilmington, DE 19886-5019

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

Billing disputes
Bank of America
P.O. Box 672050
Dallas, TX 75267-2050

See all Bank of America cards → · Search all cards

Debt Sunset is not affiliated with or paid by any card issuer, and this page is not financial advice. Card names and art belong to their owners. See our Financial Disclaimer.