Chip Lupo, Credit Card Writer
@CLoop
Bank of America credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Bank of America credit card.
Credit Score Requirements for Good Bank of America Credit Card Approval Odds
- BankAmericard® credit card for Students: Excellent credit or better
- Bank of America® Customized Cash Rewards credit card for Students: Excellent credit or better
- Bank of America® Travel Rewards credit card for Students: Excellent credit or better
- Bank of America® Customized Cash Rewards credit card: Excellent credit or better
While credit scores are very important, Bank of America credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Bank of America will also look at your monthly housing costs and existing debts when considering your application.
If you want to get a better sense of your approval odds before applying for a Bank of America credit card, you can always check to see if you’re pre-qualified for any offers on the Bank of America website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
Popular Bank of America Credit Cards
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Rewards
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Cash Back
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Students
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Small Business
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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One remark: there is no need for SSN or ITIN to get a Bank of America credit card. BOFA is one of the few US banks that allows foreigners to get a US credit card.
One remark: there is no need for SSN or ITIN to get a Bank of America credit card. BOFA is one of few US banks that allows foreigners to get a US credit card.