Chip Lupo, Credit Card Writer
@CLoop
Yes, you can use your Bank of America credit card before it arrives because Bank of America gives cardmembers access to their credit card number as soon as they get approved. You can start using your Bank of America credit card immediately after approval by adding the card details to a digital wallet. To receive access to your Bank of America credit card information, you must apply through the mobile app.
How to Use a Bank of America Credit Card Before It Arrives
- Apply for your Bank of America credit card through the mobile app and wait for a response. Bank of America will usually let you know if you were approved within minutes.
- Get your 16-digit Bank of America credit card number. You can retrieve your account number by logging in to your account on the mobile app.
- Add your new Bank of America credit card information to a digital wallet, such as Apple Pay, Google Pay, Samsung Pay or PayPal.
- Use the Bank of America credit card to pay for purchases through the digital wallet.
The physical credit card that Bank of America will send you should arrive within 7 to 10 business days. The credit card you receive will have the same 16-digit number as the one in your digital wallet.
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