How do I get Bank of America to pre qualify me for a credit card?

Yes, there are several Bank of America 0% APR credit cards and the best among them are the BankAmericard® credit card and the Bank of America® Cash Rewards Credit Card for Students. Both have 0% APRs for 12 months on purchases and balance transfers. Both also have $0 annual fees.

Overall, there are many Bank of America 0% APR credit cards. Some offer 0% APRs on balance transfers and new purchases, while the rest have 0% intro promotions for one type of transaction or the other. Bank of America’s 0% APR credit cards have no interest for the first 7-12 months after account opening.

So, no matter what type of card you’re looking for, you should be able to find a 0% offer that fits your needs. But unless you’re a student, you’ll need good or excellent credit to get any Bank of America 0% APR card.

Here are some Bank of America 0% APR credit cards:

• BankAmericard® credit card: 0% APR for 18 billing cycles on purchases and APR of 0% for 18 billing cycles for any balance transfers made in the first 60 days. 3% (min $10) balance transfer fee.
• Bank of America® Customized Cash Rewards credit card: 0% APR for 15 billing cycles on purchases and APR of 0% for 15 billing cycles for any balance transfers made in the first 60 days. 3% (min $10) balance transfer fee.
• Bank of America® Travel Rewards credit card: 0% APR for 12 billing cycles on purchases.
• Bank of America® Cash Rewards Credit Card for Students: 0% APR for 15 months on purchases and 0% for 15 months APR on balance transfers. 3% (min $10) balance transfer fee.
• Bank of America® Travel Rewards Credit Card for Students: 0% APR for 12 months on purchases.
• Business Advantage Cash Rewards Credit Card: 0% APR for 9 months on purchases.
• Business Advantage Travel Rewards World Mastercard® Credit Card: 0% APR for 9 months on purchases.
• Platinum Plus® Mastercard® Business Card: 0% APR for 7 months on purchases.

A Bank of America 0% APR can be a great tool for financing a big purchase or paying off a balance transfer. Just try to budget your monthly payments so that you pay off your entire balance by the end of the 0% introductory period. And if you’re making a balance transfer, don’t forget that you’ll owe at least 3% fee.

You can check your Bank of America credit card status online. Unfortunately, there is no Bank of America credit card status phone number. But if you have trouble checking online, you could try to call customer service at (800) 732-9194.

In order to see whether your application is approved, denied or still pending, you’ll need to give some basic personal information like your zip code and the last four digits of your Social Security number. This ensures that Bank of America can match you to your application. You can check your application status as often as you like, as it’s free and quick.… read full answer

How to check your Bank of America credit card status:

1. Go to Bank of America’s application status page.
2. Enter your last name, date of birth, last four digits of your Social Security number and zip code.
3. Click “Submit.”

You’ll now be able to see any applications you’ve submitted and whether they have been approved or denied yet. If your application is still pending, don’t worry. It may take up to 30 days from when you submitted your application to receive a decision. If you are approved, you can expect your card in 7-10 business days. But if you’re denied and think you can justify why you should be approved, you can call customer service and ask for reconsideration.

For the best BankAmericard approval odds, an applicant must have an excellent credit score (750+ is ideal). It’s also important to have a high annual income and little existing debt. Bank of America will review several other key criteria, too, including the applicant’s payment history, employment status, monthly housing payments, number of open credit accounts and more.… read full answer

Before you apply, consider using Bank of America’s pre-approval tool. You won’t be able to search for the BankAmericard Credit Card specifically, but the pre-approval tool will display all Bank of America cards for which you may qualify. This allows you to get a better idea of your BankAmericard approval odds with no risk to your credit score. Pre-approvals are done using a harmless soft inquiry. But if you then decide to apply for a card, Bank of America will perform a hard inquiry. This type of inquiry will cause a short-term drop in your credit score. Keep in mind, though, that being pre-approved doesn’t guarantee that you will get the card. You’ll still have to submit an application. But pre-approval is a strong indicator that your odds of approval will be high.

If your credit profile falls outside of the BankAmericard Credit Card’s range, you may want to consider applying for one of the other BankAmericard-branded offers. College kids with limited credit should be eligible for the BankAmericard Credit Card for Students. In addition, the BankAmericard Secured Card offers high approval odds for applicants with bad credit.