Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
Your Bank of America credit card approval odds are best if you have a credit score of 750 or higher. Most Bank of America credit cards require excellent credit for approval. You can also check for Bank of America pre-approval to get a better sense of your BofA credit card approval odds.
The Bank of America credit card with the highest approval odds is the Bank of America Custom Cash Secured Card, which you can get with bad credit. If you're in college, there's a very good chance you'll be approved for one of the Bank of America student cards.
Here's what you need for good Bank of America credit card approval odds:
- Bank of America Custom Cash Secured Card: $200 minimum security deposit, bad credit accepted.
- BankAmericard® Credit Card for Students: Fair credit or limited, enrollment in a college or university.
- Bank of America Cash Rewards for Students: Fair credit or limited, enrollment in a college or university.
- Bank of America Travel Rewards for Students: Fair credit or limited, enrollment in a college or university.
- Bank of America Customized Cash Rewards credit card: Excellent credit
- Bank of America Travel Rewards credit card: Excellent credit
- Bank of America Premium Rewards credit card: Excellent credit
- BankAmericard credit card: Excellent credit
In general, your chances of being approved for a Bank of America credit card depend on your credit standing, income and debt, as well as which card you apply for.
Bank of America will also consider things like your employment status and how many credit accounts you have open. All applicants need to be at least 18 years old and U.S. residents. Non-resident aliens are eligible for certain credit card offers at local Bank of America financial centers.
How to increase your Bank of America credit card approval odds:
- Always pay your bills on time.
- Keep your credit utilization at 30% or less.
- Improve your credit score.
If you have your sights set on a card, make sure you know where you stand before applying. You can check your score for free, right here on WalletHub.
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