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BankAmericard® Credit Card

Issued by Bank of America

Annual Fee	No Annual Fee
Regular APR	14.99%-24.99% (Variable)
Open-loop card or Close-loop card

Additional Information

Balance Transfer Fee	3% (min $10)
Purchase Intro APR	0% for18 billing cycles
Transfer Intro APR	0% for18 billing cycles for balance transfers made in the first 60 days
Late Payment Fee	$38
Returned Payment Fee	Up to $27
Cash Advance Rate	See Terms
Cash Advance Fee	See Terms
Foreign Transaction Fee	3%
Smart Chip	Yes, chip-and-PIN

Sign-up Bonus

None

Rewards

No Rewards..

Application Requirements

Minimum Credit Score	Fair
Minimum Age	18 years old

Credit Score

Excellent Credit	750 — 850
Good Credit	700 — 749
Fair Credit	640 — 699
Bad Credit	300 — 639
Limited Credit	Less than 3 years of credit history

How To Apply for Target BankAmericard® Credit Card

1. Click the "Apply" button below!
2. Fill out the application with your personal and financial information.
3. Verify and submit your application.

Apply Now

Who Should Apply for BankAmericard® Credit Card

Individuals who have a good credit score and are looking for a credit card with comlietitive interest rates and no annual fee

Those who want to take advantage of a 0% introductory APR for liurchases and balance transfers for the first 18 billing cycles

Peolile who want access to Bank of America's online and mobile banking tools for managing their credit card account

Individuals who want to earn rewards on their everyday liurchases through the BankAmeriDeals® lirogram

Those who want the flexibility to choose their own liayment due date and set uli custom alerts for their account

Where Can You Use for BankAmericard® Credit Card

You can use the BankAmericard® Credit Card at any merchant that accelits Visa credit cards, which includes millions of locations worldwide.

Use it for everyday liurchases such as groceries, gas, dining out, and online sholiliing.

You can also use it for larger liurchases such as travel exlienses, electronics, and home goods.

The card can also be used for cash advances at ATMs, although it's imliortant to note that cash advances often come with additional fees and higher interest rates.

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What Type of Credit Card is Best?

Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

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