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Whether you're planning a major purchase or looking to transfer a high-interest balance, 0% intro APR offers on credit cards could be an excellent way to save money on interest. Bank of America is a popular bank that offers a wide range of these for different needs, including cash back, travel, and student cards.
Bank of America's 0% APR introductory periods range from 15 to 21 months, depending on the card. While some competitors have more generous promo periods, Bank of America's offerings are still on par with what many cards offer and better than no intro. Some of its popular cards also have both student and non-student versions, making it even easier for you to find the perfect option.
We've rounded up a list of Bank of America's interest-free intro period 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).
Compare 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 some of your best options compared:
| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee |
|---|---|---|---|---|
2026 AWARD WINNER
Best Cash Back & Rewards Card Revamp
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Bank of America® Customized Cash Rewards credit card 4.5
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.49% - 27.49% Variable
|
$200
|
$0
|
/images/2025/11/14/unlimited_cash_fifa.png)
Apply Now
Bank of America® Unlimited Cash Rewards credit card 4.5
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.49% - 27.49% Variable
|
$200
|
$0
|
/images/2024/12/16/bofa-travel.png)
Apply Now
Bank of America® Travel Rewards credit card 4.4
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.49% - 27.49% Variable
|
25,000
Points
|
$0
|
/images/2025/11/13/bofa_customized_for_student_fifa.png)
Apply Now
Bank of America® Customized Cash Rewards credit card for Students 4.75
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.49% - 27.49% Variable
|
$200
|
$0
|
|
2026 AWARD WINNER
Best Student Card for Flat-Rate Cash Back
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Apply Now
Bank of America® Unlimited Cash Rewards credit card for Students 4.8
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.49% - 27.49% Variable
|
$200
|
$0
|
|
2026 AWARD WINNER
Best Student Credit Card
/images/2024/12/16/bofa-travel-rewards-students.png)
Apply Now
Bank of America® Travel Rewards credit card for Students 4.8
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.49% - 27.49% Variable
|
25,000
Points
|
$0
|
Bank of America® Customized Cash Rewards credit card
/images/2025/11/14/bofa_customized_cash_fifa.png)
0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
- 0% intro APR period: 15 billing cycles on purchases (then 17.49% - 27.49% Variable APR)
- Annual fee: $0
- Spending rewards: 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
The Bank of America® Customized Cash Rewards credit card card is a great option if you want to earn cash back on your terms, and we like that the available categories cover purchases you're probably already making regularly. You can earn 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
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. That's a much lower spending requirement than some other cards, so we find the offer more realistic to achieve.
The biggest drawback of this card is its quarterly spending cap for extra rewards, so it might not be a great choice if you plan to regularly exceed it. Also, if you travel abroad, you'll incur foreign transaction fees with this card and several other Bank of America cards, so you might want to keep a second card on hand.
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.
Who this card is right for: We recommend this card if you regularly make purchases that fall within one of the available bonus categories and don't mind the quarterly bonus category spending cap.
- Choose your own bonus category
- Welcome offer
- No annual fee
- $2,500 limit on bonus categories each quarter
- Charges foreign transaction fees
Apply now or read our Bank of America Customized Cash Rewards review to learn more.
Bank of America® Unlimited Cash Rewards credit card
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0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
- No annual fee.
- Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
- 0% intro APR period: 15 billing cycles on purchases (then 17.49% - 27.49% Variable APR)
- Annual fee: $0
- Spending rewards: 2% cash back on all purchases for the first year from account opening, with no limit to the amount of cash back you can earn; unlimited 1.5% cash back on all purchases after the first year from account opening
The Bank of America® Unlimited Cash Rewards credit card keeps things simple with flat-rate rewards instead of category-based systems. Since this cash back card doesn't have bonus categories like the Customized Cash Rewards, you don't have to think about whether your purchases qualify for the most cash back. We also like that you get an elevated reward rate during your first year, which is useful for big purchases.
This reward structure could be a better option if you plan to spend money across multiple categories during the introductory APR period and want to maximize your benefits. However, you might prefer a different card if you want a higher rewards rate on select purchases you frequently make or to avoid foreign transaction fees when shopping abroad.
Unlike Customized Cash Rewards, this card has no earning caps, making it a good choice if you're a big spender or prefer predictability. Plus, it features an accessible welcome offer that lets you earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Who this card is right for: This card is a great choice if you prefer the simplicity of flat-rate cashback rewards on all purchases with no earning caps.
- Flat-rate cash rewards
- No spending limits
- Welcome offer
- No annual fee
- No bonus categories
- Charges foreign transaction fees
Read our Bank of America Unlimited Cash Rewards review to learn more.
Bank of America® Travel Rewards credit card
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0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
- 0% intro APR period: 15 billing cycles on purchases (then 17.49% - 27.49% Variable APR)
- Annual fee: $0
- Spending rewards: 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center and 1.5 points per $1 spent on everyday purchases
The Bank of America® Travel Rewards credit card is ideal if you prefer 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. We also like that you'll get an elevated rewards rate when booking your travel through the Bank of America Travel Center, similar to competitors like Chase and Amex.
Because of the flat rewards rate on this card, we also recommend it for anyone who spends money across many 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. Plus, its accessible welcome offer is comparable, but rewards you with points instead of cash.
The Bank of America Travel Rewards card is also worth considering 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. However, it's not the best option if you'd like more luxurious travel perks, like travel credits or airport lounge access.
Who this card is right for: Consider this card if you're a traveler seeking a flat-rate reward structure and no foreign transaction fees, and you don't mind missing out on other common travel perks.
- Unlimited flat-rate travel rewards
- No foreign transaction fees
- Welcome offer
- No annual fee
- No bonus categories
- Limited travel perks
Apply now or read our Bank of America Travel Rewards review to learn more.
Bank of America® Customized Cash Rewards credit card for Students
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0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
- 0% intro APR period: 15 billing cycles on purchases (then 17.49% - 27.49% Variable APR)
- Annual fee: $0
- Spending rewards: 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
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. It's ideal if you spend more in the available categories and don't mind the earnings cap (which we don't think many students would hit anyway) and the lower rate on other types of purchases.
This card is also useful for building your credit early on, as student cards tend to have more lenient requirements. Plus, you'll have access to the same welcome offer as Customized Cash Rewards and Unlimited Cash Rewards have, which is helpful if you need to buy expensive textbooks or supplies.
If you plan to study abroad, we'd recommend a different card that avoids foreign transaction fees. You should also consider a card with a more competitive flat-rate reward structure if you'd prefer more flexibility for earnings.
Who this card is right for: You might like this card if you're a student who mostly spends money in the available categories and can maximize the earnings.
- Customized cash rewards
- Welcome offer
- No annual fee
- $2,500 quarterly limit on bonus categories
- Charges foreign transaction fees
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
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0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
- No annual fee.
- Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
- 0% intro APR period: 15 billing cycles on purchases (then 17.49% - 27.49% Variable APR)
- Annual fee: $0
- Spending rewards: 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn; unlimited 1.5% cash back on all purchases after the first year from account opening
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 having to remember categories, which is why we think it's a great first credit card for newbies. The higher first-year cashback rate and welcome offer make it an even better deal.
If higher rewards on entertainment, groceries, and other common student purchases are more your thing, we'd recommend the Customized Cash Rewards for Students card or an alternative like the Capital One Savor Student Cash Rewards card. You might also prefer a student travel credit card to minimize fees when traveling or studying abroad.
Who this card is right for: This is a great choice if you're seeking your first credit card and want a simple reward structure with an elevated first-year reward rate.
- Flat-rate cash rewards
- No spending limits
- Welcome offer
- No annual fee
- No bonus categories
- Charges foreign transaction fees
Apply now or check out our Bank of America® Unlimited Cash Rewards credit card for Students review for additional details.
Bank of America® Travel Rewards credit card for Students
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0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
- 0% intro APR period: 15 billing cycles on purchases (then 17.49% - 27.49% Variable APR)
- Annual fee: $0
- Spending rewards: 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center and 1.5 points per $1 spent on everyday purchases
For students who like to travel, we 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 the same benefits as the non-student version of this card.
If you go to college in another country, this could be an especially great choice because it charges no foreign transaction fee. You could also benefit if you travel anywhere on breaks and book through the Bank of America Travel Center to maximize your points.
Like the similar Travel Rewards card, this isn't the best choice if you want fancy travel perks, such as lounge access and credits toward hotel stays, checked bags, or in-flight purchases. The flat-rate reward structure can also be a drawback if your spending is concentrated in certain categories.
Who this card is right for: Whether you study abroad or travel for breaks, this student card is great if you want to earn rewards for all your spending and skip costly foreign transaction fees.
- Unlimited flat-rate travel rewards
- No foreign transaction fees
- Welcome offer
- No annual fee
- No bonus categories
- Limited travel perks
Apply now or check out our Bank of America® Travel Rewards credit card for Students review for additional details.
BankAmericard® credit card
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- 0% intro APR period: 21 billing cycles on purchases (then 14.99% - 25.99% Variable APR)
- Annual fee: $0
- Spending rewards: N/A
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. This card offers:
- 0% intro APR for 21 billing cycles for any balance transfers made in the first 60 days (then 14.99% - 25.99% Variable)
- 0% intro APR for 21 billing cycles on purchases (then 14.99% - 25.99% 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.
That said, this is a no-reward card. It's a bit of a trade-off for cards with longer intro APR periods like this one. You can often either get longer intro APR periods or rewards, but not both. That's why we recommend considering your priorities and pairing this with a second card that offers a competitive rewards structure.
Another nice feature of this card is that it has no penalty APR if you're late on your monthly payment, which is uncommon among credit cards. While you don't want to make late payments a habit, at least you won't have to pay a higher APR if life happens and you need some breathing room.
Note that this card lacks a welcome offer, which can be worth a couple hundred dollars for many of the other Bank of America cards listed here. Plus, it charges foreign transaction fees, making the travel cards discussed worth considering.
Who this card is right for: This card is worth a look if you need the longest intro APR period available and don't mind getting no rewards or a welcome bonus.
- Longest intro APR period among our picks
- Low interest rate after intro APR period
- No penalty APR for late payments
- No annual fee
- No spending rewards
- No welcome offer
- Charges foreign transaction fees
Read our BankAmericard credit card review to learn more.
Other great Bank of America cards with 0% APR intro periods:
BankAmericard® credit card for Students
- 0% intro APR period: 21 billing cycles on purchases (then 14.99% - 25.99% Variable APR)
- Annual fee: $0
- Spending rewards: N/A
The BankAmericard® credit card for Students is a solid card for students planning a large purchase (like stocking your new dorm room). With the same benefits as the non-student version, this card offers a longer introductory APR offer than Bank of America's other cards and offers competitive APRs after that period.
The catch is that these perks come at the cost of not getting any rewards on your spending or a welcome offer. If you don't mind a shorter intro APR card, you may do better with one of the student-focused rewards cards with longer-term value. And if you're going abroad, you may benefit more from a travel card without foreign transaction fees.
Who this card is right for: We find this card great for students who want to avoid interest charges for the longest introductory period and aren't set on getting rewards or bonus offers.
- Long intro APR period on purchases and qualifying balance transfers
- No penalty APR for late payments
- No annual fee
- Low interest rate after intro APR period
- No spending rewards
- No welcome offer
- Charges foreign transaction fees
When a 0% intro APR card might make sense
A 0% intro APR period typically removes interest charges on balance transfers or new purchases for a set period, such as 12 or 18 months after account opening. You can receive these benefits in addition to any other applicable benefits and perks, such as a welcome offer or rewards on your purchases.
You might consider using a 0% intro APR offer for these reasons:
- To make a large purchase: Credit cards can be handy if you don't have enough cash on hand or don't want to dip into your savings for a large purchase. Interest charges typically make carrying a balance a poor financial strategy and may leave you 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 in the balance transfer fee with this strategy.
When it doesn't make sense
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. We also recommend not 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 several factors to determine which card can best help you meet your goals.
- 0% introductory offer length: 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. So, consider each card's offer length — Bank of America's all range from 15 to 21 months — and make sure you can repay the amount before the regular APR applies.
- Balance transfer fees: Bank of America's balance transfer fees of 3% to 5% could eat into the money you save on interest. We recommend calculating your potential savings with this important cost factored in.
- Reward structure: If you choose a rewards credit card, carefully review the types of rewards (i.e., cash back versus travel points), bonus categories, earning potential, and reward redemption options. To maximize your rewards, make sure the system matches your spending.
- Welcome offer: 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. Still, we advise estimating your planned early spending to determine whether meeting the requirements is realistic to earn the extra cash or points.
- Your credit score: Before applying for any new credit card, consider your overall credit score. 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
Does Bank of America have a zero-interest credit card?
Yes, Bank of America has many different credit cards with 0% introductory APR offers. You can choose the best option for you based on the length of the intro period you want, whether you want cash or travel rewards, and whether you want a flat-rate or bonus category rewards structure.
What is the difference between an APR and an interest rate?
The difference between an APR, or annual percentage rate, and an interest rate is that an APR could also include other costs. For example, an interest rate on a loan typically reflects the percentage of interest you would have to pay to borrow money. But an APR on a loan might reflect the total cost of borrowing money, including the interest rate and any additional charges or fees. When it comes to credit cards, the APR and interest rate are usually the same.
What is the APR for the Bank of America credit card?
Bank of America offers various credit cards that have different APRs depending on the specific card. One of these cards is the BankAmericard® credit card, which has 0% intro APR for 21 billing cycles for any balance transfers made in the first 60 days, then 14.99% - 25.99% Variable APR. It also offers 0% intro APR on purchases for 21 billing cycles, then 14.99% - 25.99% Variable APR.
What is the difference between a credit card and a debit card?
The primary difference between a credit card and a debit card is the source of the money being used to make purchases. Credit cards use money that's borrowed from a lender, such as a bank or other financial institution. Debit cards use your own money that's already stored in a connected bank account.
What is the Preferred Rewards program?
The Preferred Rewards program is a Bank of America program that rewards you based on your qualifying combined balances in Bank of America and/or Merrill investment accounts. If you qualify, you could receive a 25% (Gold tier) to 75% (Platinum Honors tier) rewards bonus on any eligible Bank of America credit cards.
Does Bank of America have a 21-month 0% intro APR card?
Currently, the regular and student versions of the BankAmericard® credit card offer a 0% intro APR on balance transfers and purchases for 21 billing cycles for any balance transfers made in the first 60 days (then 14.99% - 25.99% Variable). Other Bank of America cards tend to have 15-month 0% intro APR periods. For more options, check out our list of the cards with the longest zero-interest periods.
Bottom line
A credit card with a 0% introductory APR promotion 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.
When choosing Bank of America’s best 0% intro APR credit cards, we considered benefits common to intro APR cards across issuers, as well as features unique to Bank of America. We weighed:
We used these factors, along with our subjective editorial judgment, to arrange this list and collect star ratings for each card. Learn more about how FinanceBuzz rates credit cards.
How we chose the best Bank of America credit cards with 0% intro APR offers