To meet Bank of America’s credit card requirements, you must be at least 18 years old and live in one of the 50 states, DC, Puerto Rico or another U.S. territory (or on a military base). You must also agree to let Bank of America pull a copy of your credit report and employment history. Other requirements are a completed application with all requested personal and financial information, including your name, address, birthdate, annual income and sources for that income. If under 21, you must provide proof of an independent source of income for making payments. You will also be asked for bank account information along with your monthly rental or mortgage payment.
Depending on the Bank of America credit card you are applying for, you will have to meet minimum credit requirements. Bank of America consumer cards such as the Cash Rewards, BankAmericard, Travel Rewards, and Premium Rewards cards require excellent credit for the most part. That means a credit score of 750 or higher. You’ll only need limited credit to qualify for both the Cash Rewards and Travel Rewards student cards, though. There’s also a BofA secured card for people with limited or bad credit.
When you apply, enter complete and accurate information in each required field. Knowingly submitting false or misleading information on a credit card application is illegal. Depending on the severity of the offense, you could face up to $1 million in fines and up to 30 years in prison.