Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
Your Bank of America credit card approval odds are high if you have a credit score of 750 or higher in most cases. This means Bank of America credit cards usually require excellent credit for approval. You can also check for Bank of America pre-approval to get a better sense of your 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, you may get approved for one of the Bank of America student cards.
What you need for good Bank of America credit card approval odds:
- Bank of America® Customized Cash Rewards Secured Credit Card: bad credit accepted
- BankAmericard® credit card for Students: Excellent credit
- Bank of America® Customized Cash Rewards credit card for Students: Excellent credit
- Bank of America® Travel Rewards credit card for Students: Excellent credit
- 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. The card you apply for will also influence your adds of approval, depending on the credit score requirement.
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 branch locations.
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.
People also ask
What credit score do you need for a Bank of America credit card?
You need a credit score of 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. For example, it is possible to get approved for certain Bank of America credit cards even if you have bad credit.
Bank of America Credit Score Requirements by Card
| Card: | Minimum Credit Score: | Minimum Credit: |
| ... | 300+ | Bad credit |
How hard is it to get a Bank of America credit card?
It is not very hard to get a Bank of America credit card because the issuer offers cards for people with bad credit or better. One of the easiest credit cards to get from Bank of America is the Bank of America® Customized Cash Rewards Secured Credit Card. The card is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other Bank of America credit cards, too.
Minimum Credit Score for Notable Bank of America Credit Cards
read full answerHow long does it take to get approved for a Bank of America credit card?
It can take as little as a minute to get approved for a Bank of America credit card, but it can also take up to 30 days in some cases. Most applicants, however, receive a decision within a few days if they don’t get one instantly.
In particular, things like incomplete or incorrect information on the application can drag out the process. If Bank of America sends you a message requesting additional information to evaluate your application, be...
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