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 15.99% - 25.99% Variable (based on creditworthiness).
• 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% fee. Once the intro period is over, remaining balances are subject to the card's regular APR of 15.99% - 25.99% 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.

If you want more rewards, the Bank of America® Customized Cash Rewards credit card and the Bank of America® Travel Rewards credit card are better options. Both cards offer attractive bonuses and ongoing rewards. If you're not tied to Bank of America as an issuer, feel free to also check out some of the best rewards credit cards on the market.

The BankAmericard® credit card is a Mastercard, not a Visa. You can use your BankAmericard credit card at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as...

The BankAmericard® credit card credit score requirement is at least 750. That means people with excellent credit have a shot at getting approved for the BankAmericard credit card.

Other factors to consider when applying for the BankAmericard credit card:

You should note that while your credit score is...

Yes, the BankAmericard credit card has an introductory purchase APR of 0% for 21 billing cycles after account opening. Once this intro period expires, any remaining balance on the BankAmericard credit card will be subject to the regular APR of 15.99% - 25.99% Variable.

Since the average 0%...

The BankAmericard credit card credit limit will vary based on each applicant's creditworthiness, with many cardholders reporting initial credit limits from $1,000 to $15,000 in some online forums. Your BankAmericard credit card credit limit will depend on a number of factors, such as your credit history, income and debt. 

Factors that...

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...

Your BankAmericard credit card approval odds are good if your have excellent credit (a credit score of 750+). It's also important to have a high annual income and little existing debt. Bank of America will also review several other key criteria, too, including the applicant's payment history, employment status, monthly housing payments,...

The BankAmericard credit card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their BankAmericard credit card statement balance in full every month, Bank of America will not charge any interest.

Keep in mind that you...

The BankAmericard credit card does not offer rental car insurance. But there are other Bank of America cards that do have this benefit, which covers physical damage and theft of a rental vehicle, reasonable towing costs, and any valid loss-of-use charges from the rental agency. Cardholders are covered up to up to the...

Your BankAmericard balance transfer limit will be a portion of your entire credit limit. And as credit limits are individualized, there isn't a general balance transfer limit. You can look up yours on your monthly statement or by calling Bank of America's customer service department at 800-732-9194.