At what age can you get a credit card at Bank of America? This question is about Bank of America Credit Cards

At what age can you get a credit card at Bank of America?

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This question is about Bank of America Credit Cards

Maria Adams, Credit Cards Moderator

@m_adams • 05/11/22 This answer was first published on 05/11/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can get a credit card at Bank of America if you are at least 18 years old (21 if you’re from Puerto Rico), among other requirements.

If you're younger, there's no way to apply for a Bank of America credit card, or any other credit card for that matter. However, you can still become an authorized user on someone else's account. This might help you build credit even before you can qualify for a card of your own.

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What are the Bank of America credit score requirements?

The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from Bank of America with limited credit history or a bad credit score, for example.... read full answer

Bank of America Credit Score Requirements by Card

Bank of America® Customized Cash Rewards Secured Credit Card: 300 (Bad credit)

Bank of America® Unlimited Cash Rewards Secured Credit Card: 300 (Bad credit)

BankAmericard® Secured Credit Card: 300+ (Bad credit)

Bank of America® Travel Rewards Credit Card for Students: less than 3 years of credit history+ (Limited History)

Bank of America® Unlimited Cash Rewards credit card for Students: less than 3 years of credit history+ (Limited History)

Bank of America® Customized Cash Rewards Credit Card for Students: less than 3 years of credit history+ (Limited History)

Bank of America® Premium Rewards® credit card: 750+ (Excellent credit)

BankAmericard® credit card: 750+ (Excellent credit)

Bank of America® Travel Rewards credit card: 750+ (Excellent credit)

Bank of America® Customized Cash Rewards credit card: 750+ (Excellent credit)

Bank of America® Unlimited Cash Rewards credit card: 750+ (Excellent credit)

Bank of America® Premium Rewards® Elite Credit Card: 750+ (Excellent credit)

Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.

You should also note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Bank of America credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

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Does Bank of America do a soft pull for their credit cards?

No, Bank of America doesn’t do a soft pull for its credit cards; they will do a hard pull when you submit an application for any of their credit cards.

It is also worth noting, though, that you can prequalify for Bank of America credit cards on their pre-qualification page... read full answer, which will not affect your credit score as it will result in a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.

A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. Even so, there are steps you can take to minimize the credit score damage.

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