BankAmericard
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Everything else | 0% | 0% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Other (4)
0% Intro APR on Balance Transfers
0% intro APR for 21 billing cycles on balance transfers made within the first 60 days, then 14.99%-25.99% Variable APR. Balance transfer fee 5% of each transaction.
No Penalty APR
Paying late will not automatically raise your interest rate (APR). While late fees may still apply, your APR will remain at the standard rate even if you miss a payment.
Free FICO Score Access
Access your FICO Score for free within Online Banking or your Mobile Banking app. Monitor your credit score monthly to track your credit health and improvement over time.
0% Intro APR on Purchases
0% intro APR for 21 billing cycles on purchases, then 14.99%-25.99% Variable APR.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 4 BankAmericard benefits automatically — redemption progress, reset dates and expiry alerts.