Jordan November 12th, 2019

Our Take

NerdWallet rating ?
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.5

The bottom line: If you're OK with a shorter interest-free window, other cards earn ongoing rewards or feature lower balance transfer fees.
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on Citibank's application

BankAmericard® credit card

ANNUAL FEE

$ 55

REGULAR AFR

INTRO APR

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

RECOMMENDED CREDIT SCORE
670-956

See your approval odds

Quick Facts

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% – 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Pros & Cons

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards
Compare to Other Cards
HSBC Gold Mastercard® credit card
RECOMMENDED CREDIT SCORE

400- 600

Best For

PURCHASES/TRANSFERS AND LATE-FEE WAIVER

Annual fee

$ 0

Rewards rate

12.74% - 20.74%

Intro Offer

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

Pros

Pros

  • No annual fee
  • 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.74% – 20.74% will apply
  • No foreign transaction fee

Cons

Cons

  • No rewards

BankAmericard® credit card
RECOMMENDED CREDIT SCORE

670- 956

Best For

PURCHASES AND TRANSFERS FOR GOOD CREDIT

Annual fee

$ 55

Rewards rate

14.74% - 24.74%

Intro Offer

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

Pros

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

Cons

  • No rewards