What is the best Bank of America credit card for bad credit? This question is about Bank of America Credit Cards

The best Bank of America credit card for bad credit is the Bank of America® Unlimited Cash Rewards Secured Credit Card because it offers 1.5% cash back on all purchases. This card also has a $0 annual fee and requires a $200+ security deposit. The credit limit is equal to the amount of the deposit, and the maximum deposit is $5,000. The security deposit is fully refundable after closing the account with no balance. Bank of America may even refund the deposit if you consistently manage the account responsibly. Most other Bank of America credit cards require above-average credit for approval, but there are a few alternatives worth considering. Best Bank of America Credit Cards for Bad Credit Cash Back Rewards: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn MoreCustomized Rewards: Bank of America® Customized Cash Rewards Secured Credit CardBank of America® Customized Cash Rewards Secured Credit CardLearn MoreLearn MoreNo Annual Fee: BankAmericard® Secured Credit CardBankAmericard® Secured Credit CardLearn MoreLearn MoreBusiness: Business Advantage Unlimited Cash Rewards Secured credit cardBusiness Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn More Bank of America currently does not offer unsecured credit cards for bad credit. But if you use your Bank of America secured card responsibly over time, you may be able to qualify for a credit card with more attractive terms. Responsible card use means establishing a history of on-time payments and not maxing out the card’s credit limit.

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What is the best Bank of America credit card for bad credit?

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Chip Lupo, Credit Card Writer

@CLoop • 03/02/23 This answer was first published on 04/21/21 and it was last updated on 03/02/23.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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The best Bank of America credit card for bad credit is the Bank of America® Unlimited Cash Rewards Secured Credit Card because it offers 1.5% cash back on all purchases. This card also has a $0 annual fee and requires a $200+ security deposit.

The credit limit is equal to the amount of the deposit, and the maximum deposit is $5,000. The security deposit is fully refundable after closing the account with no balance. Bank of America may even refund the deposit if you consistently manage the account responsibly. Most other Bank of America credit cards require above-average credit for approval, but there are a few alternatives worth considering.

Best Bank of America Credit Cards for Bad Credit

Cash Back Rewards: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
Customized Rewards: Bank of America® Customized Cash Rewards Secured Credit CardBank of America® Customized Cash Rewards Secured Credit CardLearn MoreLearn More
No Annual Fee: BankAmericard® Secured Credit CardBankAmericard® Secured Credit CardLearn MoreLearn More
Business: Business Advantage Unlimited Cash Rewards Secured credit cardBusiness Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn More

Bank of America currently does not offer unsecured credit cards for bad credit. But if you use your Bank of America secured card responsibly over time, you may be able to qualify for a credit card with more attractive terms. Responsible card use means establishing a history of on-time payments and not maxing out the card’s credit limit.

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What's the Bank of America Secured credit card score requirement?

The minimum credit score required for the BankAmericard Secured credit card is at least 300. This means that the BankAmericard Secured credit card accepts people with bad credit.

You should 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 the BankAmericard Secured Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries,...

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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 a bad credit score, for example.

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: 750+...

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What's the easiest Bank of America credit card to get?

The easiest Bank of America credit card to get is the Bank of America® Customized Cash Rewards Secured Credit Card because applicants can get approved with bad credit. This means the odds of approval are good even with a credit score below 640. On the other hand, the majority of Bank of America credit cards require excellent credit in order to qualify.

Easiest Bank of America Credit Cards to Get

Bank of America® Customized Cash Rewards Secured Credit Card: requires bad credit or better
BankAmericard® Secured Credit Card: requires bad...

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