Best for Balance Transfers
Recommended Credit Score
With no annual fee and a great balance transfer deal, the BankAmericard from Bank of America comes with quite a few perks. Here’s what makes it so great. For starters, you get a 0% introductory APR on balance transfers for 15 billing cycles. While most cards come with a fee, you won’t have to pay anything for the transfer when it’s completed in the first 60 days.
After that, the balance transfer fee is a relatively low 3% (with a $10 minimum). If you ever make a late payment on your account, the BankAmericard doesn’t charge a penalty APR. Many creditors raise your APR once you’re late, but you get more flexibility with this card.