BankAmericard credit card
The BankAmericard credit card is a no-annual-fee Mastercard from Bank of America with no rewards program 24. Bank of America presents it as a card for saving money on interest and paying down balances faster 1.
Contents8 sections
At a glance
| Annual fee | $02 |
|---|---|
| Foreign transaction fee | 3%2 |
| Rewards | The issuer lists no rewards program for this card; Bank of America presents it as a card for saving money on interest and paying down balances. |
| Network | Mastercard |
| Issuer | Bank of America · Official card page |
What to know about the BankAmericard
Its terms include no rewards program, and the product page describes it as the card to choose if you want to save money on interest and pay down balances faster 21. There is no annual fee 2.
Fraud protection comes through the $0 Liability Guarantee, which covers unauthorized transactions on the account 2. Claims can be filed by the account holder or an authorized user against pending and posted transactions, must be reported promptly, and may be subject to dollar limits and verification 2. Primary cardholders with an open and active account can see a FICO Score in Online Banking and the Mobile Banking app; Bank of America describes it as an educational tool for personal, non-commercial use 3.
Transactions made in a foreign currency carry a 3% fee, so the card adds cost on purchases abroad or from merchants that bill in another currency 2. Beyond the two protections above, the terms say only that benefit details accompany new account materials, so any other coverage is not listed here 2.
The product page also offers credit education on topics such as using credit cards responsibly and budgeting, and the card runs on the Mastercard network 14. Bank of America also offers student and secured versions of the BankAmericard, which are listed on this page 4.
Account features
| Zero fraud liability | $0 Liability Guarantee for unauthorized transactions; claims must be reported promptly and may be subject to dollar limits and verification.2 |
|---|---|
| Free credit score | FICO Score available through Online Banking and the Mobile Banking app for primary cardholders of open, active consumer credit card accounts (educational purposes).3 |
Other perks
| No Penalty APR | The terms list no Penalty APR for this card.2 |
|---|---|
| Credit education | Access to credit education on topics such as using credit cards responsibly and budgeting.1 |
Other versions of this card
Bank of America also offers the BankAmericard credit card for Students and the BankAmericard Secured credit card. They earn rewards on the same terms as the card above; these are the differences Bank of America lists.
BankAmericard credit card for Students
| Annual fee | $06 |
|---|---|
| Foreign transaction fee | 3%6 |
| What differs | Bank of America offers this version to students getting on the path to building credit and saving money on interest 5. Like the main card it has no annual fee, no rewards program and a 3% foreign transaction fee 6. |
BankAmericard Secured credit card
| Annual fee | $08 |
|---|---|
| Foreign transaction fee | 3%8 |
| What differs | This secured version of the BankAmericard is designed to help establish, strengthen or rebuild credit and requires a security deposit of $200 to $5,000, which together with income and ability to pay sets the credit limit 7. It has no annual fee and a 3% foreign transaction fee 8. The bank periodically reviews your credit history to decide whether to return the deposit while you keep the card, may consider the account for automatic upgrade, and returns the deposit if you pay in full and close the account 8. |
| Credit line reviews | The bank periodically reviews overall credit history to decide whether to return the security deposit while you keep using the card (not all customers qualify), and the account may periodically be considered for automatic upgrade at the bank's discretion. Paying in full and closing the account also returns the deposit, which can take up to two billing cycles plus ten days.8 |
| Security deposit | Minimum security deposit of $200, maximum $5,000; credit limit determined by the deposit, income and ability to pay.7 |
Not listed for this card
The Bank of America pages and benefit terms we checked for the BankAmericard do not list these benefits:
- Rental car coverage
- Trip cancellation and interruption
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Travel and emergency assistance
- Roadside assistance
- Cell phone protection
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
- Hotel benefits program
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Bank of America, BankAmericard credit card Checked Oct 10, 2026 · Back to text ↑
- 2
- 3 Bank of America, Credit Card Account Information FAQ from Bank of America Checked Oct 10, 2026 · Back to text ↑
- 4
- 5 Bank of America, BankAmericard credit card for Students Checked Oct 10, 2026 · Back to text ↑
- 6
- 7 Bank of America, BankAmericard Secured credit card Checked Oct 10, 2026 · Back to text ↑
- 8
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