BankAmericard credit card
A Bank of America Mastercard card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | −$6 | −$6 | −$30 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | −$45 | −$45 | −$225 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | −$180 | −$180 | −$900 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the BankAmericard ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | BankAmericard |
|---|---|
| Issuer and network | Bank of America, Mastercard |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | None |
| Earning | 0% on everything else |
| Rewards currency | Cash back |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | 3% |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- Intro APR: 0% for the first 21 statement closing dates (billing cycles), shown here as 21 months. It covers purchases and balance transfers made within 60 days of opening.
- Balance transfer fee is 5% of each transaction, during and after the intro period. The current disclosure lists no dollar minimum, so transferFeeMin is 0. BTs can't pay off other Bank of America accounts.
- Regular APR: 15.24% to 26.24% variable, from the pricing disclosure using prime 7.0% as of 09/30/2026. Cash advance APR is 18.24%–29.24% (direct deposit/check) or 29.49% (bank cash advances), and the cash advance fee is 5%. Late fee is up to $41 and there is no penalty APR.
- The Monthly Custom Pay Plan fee is up to 1.72% of the plan amount.
- No rewards program. cashOutCents is 1.0 only because the currency is 'cash'; the earn rate is 0.