The credit score needed for Bank of America credit card approval ranges from below 640 (bad credit) for the BankAmericard Secured card to 750+ (excellent credit) for the BofA Cash Rewards card. Applicants need excellent credit to get most Bank of America rewards credit cards. But there are three BofA student credit cards available to young people with limited or no credit. And a few BofA credit cards co-branded with companies like Alaska Airlines and MLB require good credit (700+ credit score).
Still, the minimum credit score needed for Bank of America credit card approval is only one factor in the decision. Bank of America will also consider employment status, income, debt level, age, number of open accounts, monthly rent or mortgage payments and more.
While there are clearly lots of Bank of America credit card options for good and excellent credit, the choices are sparse for people with lower scores. In that case, cards from other issuers, such as Capital One and Discover, may be more helpful. For bad credit, the Capital One Secured Mastercard and Discover it Secured card are great options.
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