There is no BankAmericard credit card concierge benefit. Cardholders with questions about their account can call 1 (800) 732-9194 for assistance, but the customer service representative won’t be able to perform the wide range of services provided by some credit card concierges.
A concierge acts like an on-demand personal assistant for cardholders, able to help with nearly anything, from travel and purchase assistance to directions and restaurant reservations. Although BankAmericard credit card does not offer concierge service, plenty of other credit cards do. If the benefit is important to you, some popular credit cards that have a concierge are Bank of America® Premium Rewards® credit card and Chase Sapphire Preferred® Card.
The best BankAmericard credit card benefit is an introductory APR of 0% for 21 billing cycles for purchases, coupled with 0% for 21 billing cycles for any balance transfers made in the first 60 days. Plus, apart from $0 fraud liability guarantee, some cardholders may also get several other benefits like price protection and extended warranty.
Here are some of the best BankAmericard credit card benefits:
Introductory purchase APR: 0% for 21 billing cycles. After the introductory period is over, remaining balances are subject to the card’s regular APR of 16.24% - 26.24% Variable (based on creditworthiness).… read full answer
Introductory balance transfer APR: 0% for 21 billing cycles for any balance transfers made in the first 60 days. Balance transfers are subject to a 3% (min $10). Once the intro period is over, remaining balances are subject to the card’s regular APR of 16.24% - 26.24% Variable (based on creditworthiness).
$0 annual fee: $0 extra costs just for having the card.
Extended warranty: Lengthens the original manufacturer’s warranty for eligible items. For more extended warranty details, you can consult your benefits guide or call the number on the back of your card to request a copy. Keep in mind that extended warranty is not guaranteed with this card and not all cardholders may have this benefit.
Price protection: Reimburses the difference up to a set amount between the purchase price of an item and a lower price advertised within a specific time frame. For more price protection details, you can consult your benefits guide or call the number on the back of your card to request a copy. It is worth noting that price protection is not guaranteed with this card and not all cardholders may have this benefit.
$0 fraud liability: You won’t be held responsible for unauthorized charges made with your card or account information.
Digital wallet options: You can add your BankAmericard credit card to your mobile device and shop in-store or in-app using a variety of digital wallets.
BankAmericard credit card is primarily designed as an option for those looking to finance their purchases or transfer existing debt.
The BankAmericard® credit card foreign transaction fee is 3%. This means Bank of America will add a 3% surcharge anytime you use the BankAmericard® credit card outside of the United States. The 3% fee also applies to online purchases made through an internationally-based merchant.
Alternative Credit Card Option:
There are several credit cards on the market that don’t charge foreign transaction fees. And they are available to people of all credit levels, from bad credit to excellent credit. You can check out our editors’ latest picks for the … read full answerbest no foreign transaction fee credit cards to weigh your options.
A good example is the Bank of America® Travel Rewards credit card. In addition to a 0% foreign transaction fee, this card offers 25,000 points for spending $1,000 in the first 90 days, plus 1.5 points per $1 spent on purchases. The card’s annual fee is also $0.
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