Get a 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days with the BankAmericard® credit card. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers. There is no annual fee and no penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply. Also, access your FICO® Score for free within online banking or your mobile banking app. Finally, there' s a $0 Liability Guarantee.