Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$0/yr
$0 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$0/yr
$0 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$0/yr
$0 rewards
Rewards by Category
Point value: 1.0 cents per point
The Fine Print That Changes the Math
No rewards: the BankAmericard earns no cash back or points. No annual fee. 0% intro APR for the first 21 billing cycles on purchases and on balance transfers made within 60 days of opening, then 15.24% to 26.24% variable.
BankAmericard FAQ
What is the BankAmericard annual fee?
The BankAmericard has no annual fee.
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Is BankAmericard Right for You?
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Sources & Verification
Card data last reviewed 2026-10-27.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.