Chip Lupo, Credit Card Writer
Yes, the BankAmericard credit card does have pre-approval. Bank of America has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Bank of America credit cards before they actually apply for one. Current Bank of America customers may also receive pre-approved offers periodically by e-mail or when logging into their card’s online account. And in some cases, Bank of America will send people pre-approved offers for a specific credit card in the mail.
Getting pre-approved for a BankAmericard credit card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for BankAmericard credit card Pre-Approval Online
- Click “Find a Credit Card Quickly” on the Bank of America website.
- Log in to your Bank of America account or select “Continue without signing in.”
- Enter your full name, birthdate, and the last four digits of your Social Security number.
- Click “Show me my offers” to view any pre-approved offers.
If you are pre-approved online, you will see all Bank of America credit cards that will give you the highest odds of approval, which may or may not include the BankAmericard credit card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a BankAmericard credit card pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows Bank of America to flag the application as pre-approved.
BankAmericard credit card pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for the BankAmericard credit card, Bank of America will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.
BankAmericard® credit card
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