BankAmericard Visa Credit Card Review of Benefits

The BankAmericard Visa card is a fairly basic, low interest credit card from the Bank of America. It’s a no-frills, no gimmicks card, perfect for people who just want a piece of plastic in their wallet to pay for things like a large purchase or emergencies. Is this the card for your?

Read our BankAmericard Visa Card review to learn more & apply online if this looks right for you!

3.5 / 5 stars     

Sometimes Simple is Best with the BankAmericard Visa Card

This credit card offer is very simple: it’s a low APR credit card which helps you buy the things you need when you need it without making you pay through the nose for it. It has no annual fee and offers an introductory APR of 0% on purchases for fifteen months and 0% APR on balance transfers for sixty days.

This means that you can use this card to make that large purchase you’ve been thinking of doing and as long as you pay it off before the interest rate kicks in you won’t have to pay an interest on it. After the introductory APR ends, you then enjoy a variable APR of between just under 11% and just over 20%, depending on your credit worthiness.

Another cool facet of this card is that cash advance fees are lower with this card than they are with many other credit cards.

This means that even if you need cash fast for an emergency and you have to use your credit card to get it, you still won’t be charged too high for the pleasure, though it’s still higher than the APR for purchases and balance transfers. The penalty APR for late payments however is still very high, so try not to be late!

The BankAmericard Visa Card Downside

The main idea behind this card is to be a low interest card; you get no annual fee and low APR after all.

On the other hand, you also get no rewards with this credit card. The only additional perks are is purchase replacement coverage which is nice if something gets stolen, lost or damaged that you bought on your BankAmericard Visa.

You also get automatic car rental insurance. But there are no points, no cash back, and no other rewards associated with this card, so if you’re looking for extra benefits, then this won’t be the right card for your use.

The BankAmericard Visa card isn’t fancy and you won’t get any rewards out of it, but it is a solid, no frills credit card that doesn’t charge you an arm and a leg for its use.

If you’re just looking for a credit card to let you purchases as needed and you aren’t looking to compete for the best rewards around, then the BankAmericard Visa card may be all you need.

The BankAmericard Visa Card gets a 3.5 Star Out of 5 Stars because of it’s simplicity without and extra perks or rewards yet requires an excellent credit rating to qualify so if you have excellent credit and only want pure simplicity from the credit card in your wallet then this is a great card for you.

You can apply for this credit card using our secure application link above and enjoy!

3.5 / 5 stars     

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