These days, there are numerous credit cards you can use to make balance transfer but the BankAmericard credit card stands out amongst others. BankAmericard is issued by Bank of America. It is a credit card that offers a 0% introductory APR that allows you to pay your debt faster. Also, BankAmericard credit card is issued on the Mastercard network which means that it comes with Mastercard benefits.
Thus, BankAmericard Mastercard offers a long intro APR for 12 billing cycles for purchases and balance transfers made in the first sixty days.
Furthermore, the bank of Americard credit card is an excellent card when it comes to paying down the debt of financing a large purchase. On the contrary, it does not offer any rewards or welcome bonuses which drastically reduce the importance of this card. On the other hand, it delivers value where it matters most.
Cos if you want to pay down your interest debt as soon as possible, this card is simply one of the fastest ways. With this card, you can save money in two ways which include the 0% intro APR for 12 billing cycles and no annual fee.
Benefits of Bank of America Credit Cards
As a balance transfer card, you can use BankAmericard credit card to pay off debt over 12 billing cycles. If you are in need of a card for making payments faster, then you should opt for this card. Thus, Bank of America credit card offers the following benefits;
- This card does not charge an annual. So, you can save on interest and pay down balances on time.
- It offers introductory APR on purchases and balance transfers.
- There is no penalty APR as paying late won’t increase your interest rate.
- Free access to your FICO either online or via the mobile banking app.
- BankAmericard is issued on the Mastercard card network which means it is widely accepted.
- Enjoy 24/7 fraud protection as you’ll be notified if any fraudulent activity is suspected on your account.
- It comes with contactless chip technology. Which means you can make purchases easily and quickly at several locations.
- As a cardholder, you can opt for paperless statement option and increase your account security while reducing paper consumption.
- It offers overdraft protection – A feature that helps to prevent declined purchases, returned checks or other overdrafts when you link your checking account to your card.
- You can shop in-store or in app using Android Pay, Apple Pay, or Samsung Pay.
- You can use this card anywhere Mastercard cards are accepted.
Above all, this card is a great asset to pay off your credit card debt as it grants you interest free debt for 12 billing cycles. But not suitable to those who are looking forward to earn cash back or other rewards.
How to Apply for BankAmericard Credit Card
Unfortunately, BankAmericard credit card is targeted at people with an excellent credit score. Thus, you need to have at least to have a FICO credit score of 670 to get approved. Having meet the requirements, you can make an online application using the steps below;
- Visit the Bank of America credit card website on your mobile devices.
- Click on the blue apply now button once the page loads.
- Then you will be redirected to the application page.
- Input your first name, Middle name (optional), Last name, Suffix (optional), Residential address line 1, Residential address line 2 (optional).
- City, State, ZIP code, Primary phone number, and Email address.
- Are you a U.S. citizen? Click on Yes or No.
- Do you have a dual citizenship? Click on Yes or No.
- Choose your country of residence.
- Enter your date of birth, employment status, total annual income, primary source of income, monthly housing payment.
- Accept the terms and conditions.
- Then click on the Save and Continue link button below.
From there, you will be directed on what to do. Applying for this card is very easy and can be done in few minutes.
BankAmericard Credit Card Login
If you already have a BankAmericard credit card with you, you can manage your account online. But you need to login into your account before you can do this. You can via the website by following the guidelines below;
- Visit the bank of America website using the link above.
- At the top of the homepage, click on the sign in link.
- On the next page, you will see the login page at the left-hand side.
- Enter your online ID on the first field.
- Then enter your passcode on the second field.
- Finally, click on the sign in button.
BankAmericard login page is a secure login page and you can login to your account anytime using the steps above.
