Say Goodbye to Interest into 2028 with One of the Longest 0% Intro APR Offers Available Today
- Nearly two years of 0% intro APR on purchases and qualifying balance transfers
- Built for paying down debt, not collecting points
- One of the longest combined intro APR periods on the market with $0 annual fee
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Carrying high-interest credit card debt can feel like a never-ending cycle. You're paying every month, but your balance barely moves because of interest charges.
Here's what that could actually cost: on a $15,000 balance at a typical rate, interest charges alone could reach over $3,000 a year. The BankAmericard® credit card could help you stop that cycle — for nearly two years.
You'll get 0% intro APR for 21 billing cycles on purchases and 0% intro APR for 21 billing cycles for any balance transfers made in the first 60 days — all with no annual fee (after the intro period, the APR will be 14.99% - 25.99% Variable.) If you want to say goodbye to high interest charges, then it's worth a serious look.
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0%, 21 billing cycles
0%, 21 billing cycles for any balance transfers made in the first 60 days
- New! 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
What You Need To Know
- Nearly two years of 0% intro APR on purchases: You get 0% intro APR for 21 billing cycles, which means every dollar you pay during the intro period could go toward your balance, not interest.
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0% intro APR for 21 billing cycles for any balance transfers made in the first 60 days: Consolidate higher-rate debt onto this card and stop paying interest on it during the intro period. After that, the variable APR will be 14.99% - 25.99% Variable.
- $0 annual fee: No yearly cost to hold the card.
- Apply in minutes from your phone or computer: A quick application process means you could start saving on interest sooner rather than later.
- Straightforward, no-gimmick design: This card is built for one thing — giving you time to pay off debt. No complicated rewards structures, no points to track. Just a long runway to get your balance to zero.
Apply for the BankAmericard® credit card
How Much Could You Save On Interest?
See how much you could potentially save on interest by transferring your balance to a 0% intro APR card and paying it off during a 21-month intro APR period.
Estimates assume 0% intro APR for the selected period with on-time payments and full payoff before the intro period ends. Interest may apply otherwise. Balance transfer fees (typically 3–5%) and post-intro APR may reduce savings. Terms vary by card.
How The BankAmericard® credit card Stacks up
With no annual fee and one of the longest intro APR offers available, the BankAmericard® credit card is a top choice for paying down debt or financing a large purchase. However, if you'd rather earn cash back or rewards and can work with a shorter intro APR period, here are a few alternatives to consider.
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0%, 21 billing cycles
0%, 21 billing cycles for any balance transfers made in the first 60 days
Credit Score
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0%, 15 months
0%, 15 months;
Credit Score
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0%, 15 months
0%, 15 months
Credit Score
Is This Card Right for You?
Most people know they should pay off their credit card debt. The problem isn't motivation. It's math. When a significant portion of every payment goes to interest, progress is painfully slow.
The BankAmericard® credit card could change that math. With 0% intro APR for 21 billing cycles on purchases and 0% intro APR for 21 billing cycles for any balance transfers made in the first 60 days, you could put your full payment toward reducing your balance during the intro period. After that, the variable APR will be 14.99% - 25.99% Variable. And with $0 annual fee, there's no extra cost to carry the card.
This card is built for people who want a clear, simple path to paying off what they owe. If that sounds like you, it could be worth a look.
Click here to apply for the BankAmericard® credit card
Intro Offer
Extensive introductory APR offer on purchases and qualifying balance transfers
Annual Fee $0 Why we like it
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