Patrick Murphy, WalletHub Analyst
@stpatrick1982
Yes, you can have a Bank of America credit card without a bank account, though customers with eligible Bank of America accounts can earn higher rewards on certain credit cards through the Preferred Rewards program. This program lets account holders receive bonus cash back or points on select credit cards, with rewards increasing based on account balances and investment levels.
Bank of America Credit Card Approval Requirements
- You must be at least 18 years old
- You must live in one of the 50 states, DC, Puerto Rico, or another U.S. territory (or on a military base).
- You need a Social Security number (SSN) or an individual Taxpayer Identification number. Note that applying with the latter requires visiting a Bank of America financial center.
- Other requirements include your personal and financial information, such as your name, address, birthdate, annual income, and sources for that income.
Bank of America has credit card offers for most credit score ranges, so you can pick one according to your own credit score and needs. To gauge your odds of approval, you can also check to see if you pre-qualify for a Bank of America credit card. While pre-qualification indicates you have good odds of approval, it does not guarantee it.
Popular Bank of America Credit Cards
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Rewards
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Cash Back
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Students
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Small Business
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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People also ask
What are the Bank of America credit card requirements?
Bank of America credit cards generally require a credit score of 700 or higher (at least good credit) and enough income to afford the monthly bill payments. You also need an SSN or ITIN and a valid U.S. address, and you need to be at least 18 years old to qualify.
Minimum Bank of America Credit Card Requirements
- Enough income to make the monthly minimum card payment
- Bad credit accepted for...
What is the best credit card to get with no bank account?
One of the best credit cards you can get with no bank account is the Capital One Venture Rewards Credit Card (see details, rates & fees). It offers an initial bonus of 75,000 miles for spending $4,000 on purchases in the first 3 months, and cardholders also earn 2 - 5 miles per $1 spent on purchases.
Best Cards to Get with No Bank Account
- Rates & Fees Terms ApplyReward Points: American Express Platinum Card®
- Details, Rates & Fees Travel Rewards: Capital One Venture Rewards Credit Card
- Dining Credits: Bank of America® Premium Rewards® credit card
- Reward Points: American Express Platinum Card®
- Travel Rewards: Capital One Venture Rewards Credit Card
- Dining Credits: Bank of America® Premium Rewards® credit card
- Rates & Fees Cash Rewards: Wells Fargo Active Cash® Card
- Rates & Fees Terms ApplyBonus Offer: Blue Cash Preferred® Card from American Express
- Cash Rewards: Wells Fargo Active Cash® Card
- Bonus Offer: Blue Cash Preferred® Card from American Express
Keep in mind that the cards listed above typically require good credit or better for approval. It’s also worth noting that most major U.S. card issuers don’t ask about bank accounts when...
read full answer by Rodney Bennett, WalletHub AnalystWhat are my Bank of America credit card approval odds?
Bank of America credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Bank of America credit card.
Credit Score Requirements for Good Bank of America Credit Card Approval Odds
- BankAmericard® credit card for Students: Excellent credit or...
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