BankAmericard rewards you for keeping your balance in shape
no annual fee
good 0% intro APR offer
up to $30 cashback every quarter
- No annual fee
- Main feature of the card: You get a $25 bonus every quarter if you pay off your debt on the card faster than minimum monthly payment, regardless of the amount. For example, you can exceed your monthly minimum even by only $1 and still receive this $25 bonus.
- You can get additional $5 if you have BoA checking or savings account. Total annual rewards can add up to $120.
- 0% intro APR for balance transfers and purchases for 12 months
- Low regular APR 12.49%-22.49%
- EMV Chip on the card
- No rewards on spending
Uncommon approach –the card that rewards you not for spending more but for decreasing your balance. Many cardholders apply a following card usage pattern: get a small balance on a card and pay it off a little bit faster than a minimum receiving $120 annually.
For collecting rewards, it is better to get a more common rewards card that gives you bonuses for maximum spending.
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