This card offer is no longer available on GET.com! However, click here to check out the best Balance Transfer Credit Cards.

Do you like being rewarded for being a responsible cardholder? If this is the case, you’ll be happy to know that Bank of America (BAC) has just launched the BankAmericard® Better Balance Rewards™ credit card, a MasterCard® credit card (MA) that rewards you for your responsible payment habits and gives you a competitive introductory APR on purchases and balance transfers.

Here is a detailed review of BankAmericard® Better Balance Rewards™ credit card, one of the newest Bank of America® cards, so that you can have a better idea of its benefits, along with the things you should watch out for.

Things We Like About This Card

$0 annual fee. This card doesn't have any annual or monthly fee.

0% introductory APR on purchases for 12 billing cycles. After this introductory period, there will be a 11.99% - 21.99% variable APR on purchases depending on your creditworthiness. This benefit gives you an opportunity to purchase something on credit without paying any interest for the first 12 months. Just make sure to always pay at least the minimum due each month and on time so that you don't incur any penalty APR.

0% introductory APR on balance transfers for 12 billing cycles on balance transfers made within the first 60 days of account opening. Keep in mind that this introductory APR period only applies to balance transfers you make within the first 60 days, thereafter you will be subject to a variable APR of 11.99% - 21.99%.

Earn $25 each quarter that you pay more than the minimum payment due each month and on time, so in a year, you could receive up to $100 in cash rewards.

Earn an additional $5 each quarter if you have a Bank of America checking or savings account. This additional cash rewards bonus totals $20 at the end of the year. Combining this relationship bonus with the above bonus, you could receive up to $120 annually.

Choose how to receive your cash. Cash rewards will automatically be credited to your credit card balance or you could choose to have them deposited in your Bank of America checking or savings account.

$0 Liability Guarantee. You won't be held liable for fraudulent transactions made on your account. Guaranteed.

Go Green by signing up for the paperless statement option, which will protect your security as well as nature.

Our Least Favorite Things About This Card

You don’t earn rewards or cash back on your spending. Unlike cash back credit cards, you won’t earn any cash back when you make purchases with this card, regardless of what you purchase or the amount you spend. If you are more interested in earning cash back with your card, you could check out BankAmericard Cash Rewards™ credit card or other top-rated cash back credit cards in the U.S.

  • Our Verdict:
  • 3.80/5 Stars

BankAmericard® Better Balance Rewards™ credit card is a unique card that rewards you for responsible credit card payment practices. This credit card with a low Intro APR offer will suit those of you who usually don’t pay off your card balance immediately, but are responsible in making your monthly payments. Something else I like about this card is that you will enjoy a long introductory APR on purchases and any balance transfers made within the first 60 days for the first 12 billings cycles.

If you pay more than the minimum due every month and on time, and if you also have another qualifying account you could receive up to $120 in a year. On the other hand, you won’t be earning any rewards, miles or cash back when you make a purchase with this card, so if you have excellent credit and make a lot of purchases with your card, you might be better off getting a cash back card or rewards card.

BankAmericard® Better Balance Rewards™ credit card is a good card to get if you would like to be rewarded for being a responsible cardholder, and also to take advantage of the low intro APR on purchase and qualifying balance transfers.

This card offer is no longer available on GET.com! However, click here to check out the best Balance Transfer Credit Cards.