The Best Bank of America Credit Cards with 0% Intro APR Offers

0% intro APR offers on credit cards are an excellent way to save money on interest for large purchases or balance transfers. Bank of America has a suite of these, including cash back, travel, and student cards.

Bank of America’s 0% APR introductory periods range from 15 to 18 months, depending on the card. While this is not the longest in the industry (generally 21 months), it’s on par with what many cards offer and better than no intro. Each card also has a student and non-student version, making it even easier for everyone to find the perfect card for them.

We’ve rounded up a list of Bank of America’s 0% intro APR cards to help you find one that meets your needs. Remember to consider how you plan to use the card and what type of rewards you prefer (keeping in mind that a longer 0% intro period often results in fewer other card benefits).

Bank of America credit cards with 0% intro APR offers

There are several solid options for Bank of America credit cards that come with 0% intro APR offers. Here are your best options:

• Bank of America^® Customized Cash Rewards credit card
• Bank of America^® Unlimited Cash Rewards credit card
• Bank of America^® Travel Rewards credit card
• BankAmericard^® credit card
• Bank of America^® Customized Cash Rewards credit card for Students
• Bank of America^® Unlimited Cash Rewards credit card for Students
• Bank of America^® Travel Rewards credit card for Students
• BankAmericard^® Credit Card for Students

Compare Bank of America credit cards with 0% intro APR offers

Credit card	Intro APR offer	Best for…
Bank of America® Customized Cash Rewards credit card 4.4 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days on qualifying balance transfers, then 18.49% - 28.49% Variable APR 0% intro APR on purchases for 15 billing cycles, then 18.49% - 28.49% Variable APR	Customized rewards
Bank of America® Unlimited Cash Rewards credit card 4.5 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days on qualifying balance transfers, then 18.49% - 28.49% Variable APR 0% intro APR on purchases for 15 billing cycles, then 18.49% - 28.49% Variable APR	Flat-rate cash rewards
Bank of America® Travel Rewards credit card 4.1 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days on qualifying balance transfers, then 18.49% - 28.49% Variable APR 0% intro APR on purchases for 15 billing cycles, then 18.49% - 28.49% Variable APR	Travel rewards
BankAmericard® credit card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days on qualifying balance transfers, then 15.49% - 25.49% Variable APR 0% intro APR on purchases for 18 billing cycles, then 15.49% - 25.49% Variable APR	Long intro APR offer
Bank of America® Customized Cash Rewards credit card for Students 4.75 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days on qualifying balance transfers, then 18.49% - 28.49% Variable APR 0% intro APR on purchases for 15 billing cycles, then 18.49% - 28.49% Variable APR	Customized rewards for students
Bank of America® Unlimited Cash Rewards credit card for Students 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days on qualifying balance transfers, then 18.49% - 28.49% Variable APR 0% intro APR on purchases for 15 billing cycles, then 18.49% - 28.49% Variable APR	Flat-rate cash rewards for students
Bank of America® Travel Rewards credit card for Students 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days on qualifying balance transfers, then 18.49% - 28.49% Variable APR 0% intro APR on purchases for 15 billing cycles, then 18.49% - 28.49% Variable APR	Travel rewards for students
BankAmericard® Credit Card for Students 3.5 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days on qualifying balance transfers, then 15.49% - 25.49% Variable APR 0% intro APR on purchases for 18 billing cycles, then 15.49% - 25.49% Variable APR	Long intro APR offer for students

Bank of America^® Customized Cash Rewards credit card

The Bank of America^® Customized Cash Rewards credit card card is a great option if you want to earn cash back on your terms. You can earn 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% on all other purchases.

If you have big purchases coming up that compel you to open a 0% intro APR card in the first place, and they fall into any of these categories, you’d probably be a good candidate for this card. It also has a decent welcome offer, where you can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

You might also consider the Susan G. Komen^® Customized Cash Rewards Visa^® credit card from Bank of America, which has similar benefits to this one but with a donation to breast cancer research. Bank of America donates $3 and 0.08% of retail purchases in the first 90 days to Susan G Komen, as well as $3 for renewals for cards in good standing and without a balance.

Apply now or read our Bank of America Customized Cash Rewards review to learn more.

Bank of America^® Unlimited Cash Rewards credit card

I recommend the Bank of America^® Unlimited Cash Rewards credit card if you prefer flat-rate rewards over earning categories. This cash back card doesn’t have bonus categories like the Customized Cash Rewards, so you don’t have to think about whether your purchases qualify for the most cash back. And unlike Customized Cash Rewards, there are no earning caps.

This reward structure could be a better option if you plan to spend in a lot of different categories within the introductory APR period and want to maximize your benefits.

This card also has a welcome offer where you can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Apply now or read our Bank of America Unlimited Cash Rewards review to learn more.

Bank of America^® Travel Rewards credit card

The Bank of America^® Travel Rewards credit card is ideal if you want a travel credit card instead of one that earns cash rewards. You can redeem points for statement credits for travel and dining purchases to cover your flights, hotels, meals, and more.

Because of the flat rewards rate on this card, I also recommend it for anyone who spends money in lots of different categories and doesn’t want to keep track of bonus categories. In that way, it’s essentially a travel version of the Bank of America Unlimited Cash Rewards.

I think you’ll especially like the Bank of America Travel Rewards card if you’re a frequent international traveler since it has no foreign transaction fees, which sets it apart from most of the others on this list.

Apply now or read our Bank of America Travel Rewards review to learn more.

BankAmericard^® credit card

If your goal is simply to find the Bank of America card with the longest 0% intro APR on purchases and balance transfers, the BankAmericard^® credit card is likely your winner. It has:

• 0% intro APR on qualifying balance transfers for 18 billing cycles for any qualifying balance transfers made in the first 60 days (then 15.49% - 25.49% Variable)
• 0% intro APR for 18 billing cycles on purchases (then 15.49% - 25.49% Variable)

So, if you’re working to pay off credit card debt and want a bit more breathing room before paying interest, or if you’re planning a large purchase and want to pay it off over the longest possible period, this card could be your best option.

This card also has no penalty APR if you’re late with your monthly payment. Many credit cards, including Bank of America’s other cards, do charge a penalty APR. However, this card doesn’t earn any rewards, which is a big fat caveat.

Read our BankAmericard credit card review to learn more.

Bank of America^® Customized Cash Rewards credit card for Students

The Bank of America^® Customized Cash Rewards credit card for Students offers nearly identical benefits to Bank of America’s flagship Customized Cash Rewards card, but it’s designed for college students.

Apply now or check out our Bank of America Customized Cash Rewards for Students review for additional details.

Bank of America^® Unlimited Cash Rewards credit card for Students

The Bank of America^® Unlimited Cash Rewards credit card for Students offers the same benefits as the non-student version of Bank of America’s flat-rate cash rewards card. This one is a great option for students who want to earn the same rate on all spending without remembering categories. This is also why I like it as a first credit card for newbies.

Apply now

Bank of America^® Travel Rewards credit card for Students

For students who like to travel, I recommend the Bank of America^® Travel Rewards credit card for Students. It’s a low-stress card with flat-rate travel rewards and a generous welcome offer. It offers all of the same benefits as the non-student version of this same card. If you go to college in another country, this could be an especially great choice.

Apply now

BankAmericard^® Credit Card for Students

The BankAmericard^® Credit Card for Students is a solid card for students planning a large purchase (like stocking your new dorm room, for example). With the same perks as the non-student version, this card offers a longer introductory offer than Bank of America’s other cards.

When a 0% intro APR card might make sense

A 0% intro APR period typically removes any interest charges on balance transfers or new purchases for a certain amount of time, such as 12 or 18 months after opening. These offers are benefits that cardholders can receive in addition to any other applicable benefits and perks, such as a welcome offer or earning rewards.

You might consider using a 0% intro APR offer for these reasons:

• To make a large purchase: Credit cards can be handy for making purchases if you don’t have enough cash on hand or don’t want to dip into your savings. Interest charges typically make carrying a balance a poor financial strategy and may lead to being in over your head with debt. However, a 0% intro APR offer could help you spread a purchase out safely — as long as you can pay the full amount before interest kicks in.
• To do a balance transfer: You might transfer a balance from another debt (like a loan or other credit card) to a card with a 0% intro APR offer to avoid paying interest on that debt for a while. This could help you get out of debt because your balance won’t keep growing with interest. But you’d have to factor for the balance transfer fee with this strategy.

When it doesn’t

Just as there are some major benefits to 0% intro APR cards, there are risks and situations where it’s not a good idea.

One situation where a 0% intro APR card could do more harm than good is if you are struggling with racking up credit card debt. If you’re concerned you’ll use the extra credit to run up a balance you can’t repay, it probably makes sense to focus on learning to budget and controlling your spending first.

It’s also important to weigh the fees and benefits of each card. Most credit cards charge balance transfer fees, for example, which you should include in your calculations to make sure a balance transfer is still worth it. You should also avoid applying for a card you won’t use in the future.

What to consider when applying for a 0% intro APR credit card

When applying for a 0% intro APR credit card, it’s important to consider which card can best help you meet your goals. If you need a card with a 0% APR intro period, you’re probably either planning a large purchase or want to do a balance transfer to pay off existing credit card debt. It’s essential to consider each card’s offer length — Bank of America’s all range from 15 to 18 months — and any balance transfer fees that could eat into your savings.

In addition to 0% intro APR offer details, consider other card perks, especially if you plan to keep the card long after the intro period ends. Ideally, you’ll choose a 0% intro APR card that continues to be useful to you after the promotional interest period has ended. Continued benefits and advantages that match your spending can make your life easier. Other things to consider include types of rewards (i.e., cash back versus travel points), bonus categories, earning potential, and reward redemption options. You may consider each card’s welcome offer, but since that’s just a one-time perk, it likely shouldn’t be the deciding factor.

You should also consider your credit as a whole before applying for any new credit card. Adding new accounts to your credit file can help you build credit over time, but it can also hurt your score if you regularly carry a high balance, miss your monthly payments, or apply for new credit.

FAQs

Bottom line

A credit card with a 0% introductory APR offer could be helpful if you want to do a balance transfer or have upcoming large purchases. And if the card also offers rewards and other useful benefits — as many Bank of America credit cards do — that’s even better.

Keep in mind that part of finding the right card account for you is researching credit card offers to see which product(s) might align with your lifestyle and financial goals. Check out our list of top recommendations to compare credit cards and their benefits.