We're sorry, but the BankAmericard Basic™ Visa® Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-732-9194, Ext.
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%APR131ReviewsQ&AContact
APRQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
17.25% (V)
Balance Transfer
APR: 17.25% (V)
Balance Transfer Fee:4%
BankAmericard Basic™ Visa® Credit Card's Additional Info
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Share your insights and review the BankAmericard Basic™ Visa® Credit Card
5
11%
4
8%
3
5%
2
40%
1
37%
2.1
131 reviews
131 reviews
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Curtis Finell @curtisf_4
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3 Star Rating
My Bank of America credit card was a replacement for a citi card that I used for years. I got it for the good introductory rate and fees. The card services however were a nightmare and quite frustrating. The customer service reps are usually unable to be understood due to poor language skills, or they are so disconnected from what they're doing to give a care. After the introductory rate the rates and fees skyrocket without notice. The good thing about the card is that it opens up offers for better cards that I'd advise everyone to take advantage of.
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Arline Kagel @arlinek
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3 Star Rating
My Bank of America credit card was a replacement for a citicard due to the good introductory rate and the convenience of me having my checking there. Unfortunately, that is where the benefits end. First off, the card services are a joke. They are either unable to be understood or have no idea how to help you. If the latter is the case they transfer the call to someone that has no more experience and is usually less qualified. The best thing about the card was that it allowed me t qualify for better cards after having it for a while. I quickly jumped ship and don't regret it.
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Cory Grant @cory_grant_980
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4 Star Rating
This was my first credit card and one that's still in my wallet today. It's a very simple and straight forward card, no hidden fees, no surprises, just a reliable credit card. The Bank Of America customer service team is helpful and efficient and their online services are easy to use. The only problems I've ever encountered is a lag in payments posting using the online system. This has occasionally caused problems and required me to call the customer service team to sort it out so I would urge you to pay attention to the deadlines for processing times.
The only problem I have is it seems to be overly sensitive to credit card fraud. Legitimate payments are routinely halted and frozen until I approve them. I appreciate them being diligent about fraud but this service has caused more problems with legitimate authorizations and failed to spot the actual fraudulent charges. A definite annoyance but overall I'm still a happy customer.
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Quyen Jockers @quyenj
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5 Star Rating
My Bank of America credit card was one of the first credit cards I had. It helped me build up my credit to pretty good standing that I had a phenomenal percentage rate on my balance. After I had gone through a never-ending divorce, I wanted to consolidate my bills. The only problem with that was that the loan percentage was going to be higher than the percentage being charged on my Bank of America card, so needless to say, I decided to keep this credit card. I have never regretted it for one day. It is now paid off, but I plan to keep this card for as long as I can. I would suggest getting in good with Bank of America. They saved me at a time when I really needed it.
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Rob Faber @uberhasselhoff
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4 Star Rating
The Bank of America Basic Visa was one of the first credit cards I had. When I first received the card, I was in college and I did not have much of a credit history to speak of. In that respect, it was nice, but that's one of the few positive things I can mention about it. Bank of America's rates are unreasonably high and you need to be extremely careful to be diligent about your payments. Miss a payment and your rates are likely to double (this is in addition to an exorbitant late fee charge). BoA's website (which I use solely for payment of the Visa) is not very intuitive, but I guess it works once you figure it out. I guess in terms of a basic credit card, this is fine if it's all you qualify for. Then again, I'd be hard pressed to agree to terms that were less customer friendly. The card did however pave the way for better credit cards with far better terms.
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Armida Schluneger @armidas
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5 Star Rating
I have been using this card since I started college a few years ago. I use it on everything - groceries, gas, buying goods, online purchases, and paying my bills. It's easily managed from the BoA website, where I can easily track my purchases and also pay it off using my checking account. There have been no problems so far and I absolutely love the transparency and control I have over managing my credit card. If I ever do need help, BoA has a help section that is very easy to find and navigate. One time, I lost my card at school and couldn’t find it, and I was able to quickly suspend my card and obtain a replacement one the next weekend without much hassle. I would definitely recommend this card to people.
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Savin Jameson @savin_jameson
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3 Star Rating
I've had this card for over 8 years and have found it to be the most difficult credit card to manage. I haven't used this card in two years with the exception of minor purchases to keep the account open. Having previously had all of my accounts through Bank of America, I figured it would be worthwhile to have my credit card through them as well. I was wrong. The interest rate is pretty terrible, the online account management system was alright, but the worst was the customer service. Compared with other companies, they really do not care about their customers as was evident when I tried to dispute a charge. There are much better products out there. The only reason I would recommend this card is if you have all of your accounts through Bank of America and only want to login once to get a complete snapshot of your finances.
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Sara Appino @sara.appino
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4 Star Rating
I got my Bank of America credit card ten years ago as a college student and I have kept it ever since. I've never had any problems with this card, it is very straightforward and easy to use. I've used it to pay for vacations, shopping, and have also transferred a couple balances to the card when I had all of the charged paid off. The only negative that I see with this card is that the Bank of America online payment system seems a little behind the times, compared with Chase or Discover. I sometimes have difficulty logging on to the site to pay my card, and it seems like you have to jump through quite a bunch of hoops just to make a payment. Otherwise, the card itself works great.
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Qing Lu @qing.lu.7549
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3 Star Rating
I got my Bank of America Visa card about three years ago. It is a company purchase card, which was issued to me by my employer for work related purchase. It does not have any 0 APR or 0 Balance Transfer or cash reward, which is right since I cannot take advantage of a company credit card. In addition to the convenience of using this card for work-related purchase, what made me feel very good about it is that it provides very good protection against fraudulence. A few months ago I got a call from BOA representative asking me if I had made several suspicious purchases, which had not been aware of. BOA quickly cancelled the transactions and gave me instructions on how to get a replacement card. When the company finance supervisor contacted me a couple of days later after he got a letter from BOA on this issue, I proudly told him that the issue had been dealt with and resolved.
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T.j. Zawsum @MixMasterT
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5 Star Rating
I got my Bank of America Visa card a few years ago. It has been indispensable to me since then. I've used it quite frequently and without problems. Bank of America's customer service has been always useful and concise with their help, doing the best they can to accommodate my issues whenever I had any. There are Bank of America banks everywhere so it's easy to deal with the bank directly if I need to. The terms of service are simple to understand and completely fair. I would recommend this card for anyone in the market for a new credit card.
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