Bank of America Credit Cards with 0% Intro APR Offers

Check out Bank of America credit cards with 0% intro APR offers and see which one might be a good fit for you.
Last updated Aug. 16, 2022 | By Ben Walker, CEPF | Edited By Melinda Sineriz
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Bank of America offers a wide variety of credit cards, including cashback, travel, and student cards. Many of its cards provide 0% introductory APR offers that could help with avoiding interest on balance transfers or purchases for a certain period of time.

Compare current card offers to see which one might make sense for you.

In this article

Bank of America credit cards with 0% APR offers

Credit Card 0% APR offer Best for…
Bank of America®️ Customized Cash Rewards credit card 0% intro APR for 15 billing cycles for any qualifying balance transfers made in the first 60 days, then 16.24% - 26.24% variable APR


0% intro APR on purchases for 15 billing cycles, then 16.24% - 26.24% variable APR

Customized earning potential
Susan G. Komen® Customized Cash Rewards credit card 0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 16.24% to 26.24% (variable) APR


0% intro APR on purchases for 15 billing cycles, then 16.24% to 26.24% (variable) APR

Customized earning potential and supporting breast cancer research
Bank of America® Unlimited Cash Rewards credit card 0% intro APR for 15 billing cycles for any qualifying balance transfers made in the first 60 days, then 16.24% - 26.24% variable APR


0% intro APR on purchases for 15 billing cycles, then 16.24% - 26.24% variable APR

Flat-rate cash rewards
Bank of America®️ Travel Rewards credit card 0% intro APR on purchases for 15 billing cycles, then 16.24% - 26.24% variable APR Flat-rate travel rewards
BankAmericard®️ credit card 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days, then 15.24% - 25.24% variable APR


0% intro APR on purchases for 18 billing cycles, then 15.24% - 25.24% variable APR

Long intro APR offers
Bank of America®️ Customized Cash Rewards Credit Card for Students 0% intro APR for 15 billing cycles on qualifying balance transfers made in the first 60 days, then 16.24% to 26.24% (variable) APR


0% intro APR on purchases for 15 billing cycles, then 16.24% to 26.24% (variable) APR

Customized earning potential for students
Bank of America® Unlimited Cash Rewards Credit Card for Students 0% intro APR for 15 billing cycles on qualifying balance transfers made in the first 60 days, then 16.24% to 26.24% (variable) APR


0% intro APR on purchases for 15 billing cycles, then 16.24% to 26.24% (variable) APR

Flat-rate cash rewards for students
Bank of America®️ Travel Rewards Credit Card for Students 0% intro APR on purchases for first 15 billing cycles, then 16.24% to 24.24% (variable) APR Flat-rate travel rewards for students
BankAmericard® Credit Card for Students 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days, then 15.24% to 25.24% (variable) APR


0% intro APR on purchases for 18 billing cycles, then 15.24% to 25.24% variable APR

Long intro APR offers for students

There are plenty of Bank of America credit cards to choose from, but they don’t all come with 0% intro APR offers.

Why choose a 0% intro APR credit card

A 0% APR introductory period typically removes any interest charges on balance transfers or purchases for a certain amount of time. These offers are benefits that cardholders can receive in addition to any other applicable benefits and perks, such as a sign-up bonus or earning rewards.

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

  • To do a balance transfer: You might transfer a balance of debt to a credit card with a 0% APR offer to avoid paying interest on that debt for a certain number of months. This could help you pay down the debt while avoiding high interest charges. But you’d have to include the balance transfer fee amount (typically between 3% to 5% of the transfer amount) in your calculations to see if a transfer would be worth it.
  • 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. But interest charges typically make carrying a balance a poor financial strategy. However, a 0% intro APR offer could help you make an essential purchase and get it paid off over time — all without paying any interest.

Here are Bank of America credit cards with 0% intro APR offers.

Best for customized earning potential: Bank of America®️ Customized Cash Rewards credit card

The Customized Cash Rewards card offers a generous bonus offer of $200 after spending $1,000 in the first 90 days of account opening.

You can also earn 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases.

Having some control over the card’s bonus categories could help you earn more rewards if your expenses tend to vary. Your selection of cashback categories includes:

  • Gas
  • Online shopping
  • Dining
  • Travel
  • Drugstores
  • Home improvement and furnishings

Read our Bank of America Customized Cash Rewards review to learn more.

Best for customized earning potential and supporting breast cancer awareness: Susan G. Komen® Customized Cash Rewards credit card

The Susan G. Komen Customized Cash Rewards offers $200 after spending $1,000 in the first 90 days.

You can also earn 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases.

This card is nearly identical to the Bank of America Customized Cash Rewards credit card, but you get the added benefit of supporting the fight against breast cancer. The Susan G. Komen foundation receives $3 for each eligible new and renewed Susan G. Komen Customized Cash Rewards credit card and 0.08% of all retail purchases (less returns) made with the card.

Best for flat-rate cash rewards: Bank of America® Unlimited Cash Rewards credit card

If you prefer flat-rate rewards over different earning categories, consider the Bank of America Unlimited Cash Rewards card. It offers unlimited 1.5% cash back on all purchases.

You can also earn a $200 cash rewards bonus after spending $1,000 in the first 90 days of account opening.

Check out our Bank of America Unlimited Cash Rewards review for more details.

Best for flat-rate travel rewards: Bank of America®️ Travel Rewards credit card

Earning cash back could be nice, but you might prefer earning travel rewards and bonus points to put toward flights, hotel stays, or car rentals.

The Bank of America Travel Rewards offers 1.5 points per $1 spent on all purchases. You can also earn 25,000 points after spending $1,000 in the first 90 days of account opening.

As an added bonus, the Bank of America Travel Rewards has no foreign transaction fees.

Read our Bank of America Travel Rewards review for more information.

Best for long intro APR offers: BankAmericard®️ credit card

Most credit cards with intro APR offers provide 0% APR for a certain number of months. The best 0% APR credit cards typically provide more than the average offer length of around 12 to 15 months.

The BankAmericard credit card offers a 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days, then 15.24% - 25.24% variable APR. It also offers a 0% intro APR on purchases for 18 billing cycles, then 15.24% - 25.24% variable APR.

As an extra benefit, earn a $100 statement credit after spending $1,000 in the first 90 days of account opening.

This card also doesn’t charge a penalty APR if you happen to be late with your monthly payment.

Check out our BankAmericard credit card review to learn more about this card.

Best for customized earning potential for students: Bank of America®️ Customized Cash Rewards Credit Card for Students

Students can’t always qualify for top rewards credit cards, but student cards typically have less strict creditworthiness requirements. For customizable cash back as a student, it doesn’t get much better than the Bank of America Customized Cash Rewards for Students.

It offers 3% cash back in a category of your choice and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 quarterly for these two categories combined); and 1% cash back on all other purchases.

You can also earn $200 cash rewards bonus after spending $1,000 in the first 90 days.

Check out our Bank of America Customized Cash Rewards for Students review for additional details.

Best for flat-rate cash rewards for students: Bank of America® Unlimited Cash Rewards Credit Card for Students

This student version of the Bank of America Unlimited Cash Rewards card offers unlimited 1.5% cash back on all purchases. You can also earn $200 cash rewards bonus after spending $1,000 in the first 90 days.

For a busy student, going the way of a flat-rate unlimited cashback rewards card could make sense. It might be less stressful than a card with bonus categories because you know you’ll earn the same cashback rate on every purchase.

Best for flat-rate travel rewards for students: Bank of America®️ Travel Rewards Credit Card for Students

For the student who likes to travel, consider the Bank of America Travel Rewards for Students. It’s a low-stress card with flat-rate travel rewards and a generous sign-up bonus.

You can earn 1.5X points per dollar spent on all purchases and 25,000 points after spending $1,000 in the first 90 days.

Best for long intro APR offers for students: BankAmericard® Credit Card for Students

Students often have plenty of expenses and could also find a 0% intro APR offer useful.

The BankAmericard for Students offers 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days, then 15.24% to 25.24% (variable) APR.

It also offers 0% intro APR on purchases for 18 billing cycles, then 15.24% to 25.24% variable APR.

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

Keep these considerations in mind when applying for a 0% APR credit card:

  • Why do you want the card? Do you have an upcoming large purchase to make or are you looking to pay down credit card debt with a balance transfer? Make sure a card has the type of 0% intro APR offer you need for your situation. An intro offer for balance transfers isn’t the same as an offer for purchases.
  • Intro offer details: Review the details of the intro APR offer. Will the promotional APR period be long enough to completely get your debt paid off after a balance transfer? Or will it be enough time for you to pay off an urgent purchase without having to worry about interest? You may need to make more than the minimum payments to ensure your purchase or transfer is paid off before your 0% interest period runs out.
  • Potential fees: Look out for balance transfer fees and annual fees. Include any fees in your calculations to make sure it would still be worth it to do a balance transfer. It might not be — even with a 0% intro APR offer — if the fees are high. And if you’re offered a lower credit limit than you expected, balance transfer and annual fees will lower your available credit even more. Note that some cards offer a $0 annual fee during the first year, but have a higher fee after that.
  • Credit score: What’s your FICO credit score? The best credit card offers from Bank of America, American Express, Chase, Citi, Discover, U.S. Bank, and Wells Fargo are typically reserved for applicants with good credit or excellent credit.
  • Earning potential: Does the credit card offer any rewards or a sign-up bonus? Being able to earn rewards could be an excellent reason to keep a card long after a 0% intro APR offer has run out.
  • Type of rewards: If a credit card earns rewards, do they come in the form of cash back, points, or miles? Find a card that aligns with your rewards preferences.
  • Earning categories: If a credit card earns rewards, how are they earned? Is it a flat rewards rate for every eligible purchase or are there specific bonus categories, such as gas stations or supermarkets, where you might earn a higher percentage? You might prefer one method over the other.
  • Redemption options: Earning rewards might be nice, but only if their redemption options align with your preferences. Whether it’s statement credits, flights, gift cards, or another type of redemption, find a card that has options you prefer.

FAQs

Does Bank of America have a zero-interest credit card?

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.

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.

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 — like 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.

Choose Your Cashback Category

Annual Fee

$0

Benefits and Drawbacks

Benefits

  • Earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of account opening
  • Intro APR on purchases and qualifying balance transfers
  • Up to 3% cash back in one category of your choice
  • No annual fee

Drawbacks

  • Quarterly spending caps
Card Details
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.