What's the easiest Bank of America credit card to get?

The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from Bank of America with a bad credit score, for example.... read full answer

Bank of America Credit Score Requirements by Card

• Bank of America® Customized Cash Rewards Secured Credit Card: 300 (Bad credit)
• Bank of America® Unlimited Cash Rewards Secured Credit Card: 300 (Bad credit)
• BankAmericard® Secured Credit Card: 300+ (Bad credit)
• Bank of America® Travel Rewards credit card for Students: 750+ (Excellent)
• Bank of America® Unlimited Cash Rewards credit card for Students: 750+ (Excellent)
• Bank of America® Customized Cash Rewards credit card for Students: 750+ (Excellent)
• Bank of America® Premium Rewards® credit card: 750+ (Excellent credit)
• BankAmericard® credit card: 750+ (Excellent credit)
• Bank of America® Travel Rewards credit card: 750+ (Excellent credit)
• Bank of America® Customized Cash Rewards credit card: 750+ (Excellent credit)
• Bank of America® Unlimited Cash Rewards credit card: 750+ (Excellent credit)
• Bank of America® Premium Rewards® Elite Credit Card: 750+ (Excellent credit)

Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.

You should also note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Bank of America credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

A good Bank of America credit card for no credit that you should get is the Bank of America Custom Cash Secured Card. This card offers 1 - 3% cash back, depending on the type of purchase. The card also has a $0 annual fee. The Bank of America Custom Cash Secured Card requires a $200+ security deposit.

Here are some of the best Bank of America credit cards for no credit:... read full answer

The Bank of America Custom Cash Secured Card offers 3% cash back in a category of your choice, 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly in the 3% and 2% categories combined), and 1% back on all other purchases. The card also comes with a $0 annual fee. Keep in mind that this is a secured card, so it requires a $200+ security deposit, which will serve as your credit limit.

The BankAmericard Secured card doesn’t offer rewards, but it’s still a decent inexpensive option for building or rebuilding credit. This is a secured credit card, so it requires a minimum security deposit of $200, which will serve as your credit limit.

The Bank of America® Unlimited Cash Rewards Secured Credit Card offers 1.5% cash back on all purchases. The card also comes with a $0 annual fee. This card requires a $200+ security deposit, which will serve as your credit limit.

The Bank of America Travel Rewards for Students credit card is a good option for students as it offers 1.5 points per $1 spent on all purchases, plus an initial bonus of 25,000 points for spending $1,000 in the first 90 days.

The card also offers an introductory APR of See Terms for 18 billing cycles on both purchases and balance transfers made in the first 60 days, and it has a $0 annual fee. The regular APR is See Terms, and balance transfers are subject to a fee of 3%.

Regardless of the Bank of America credit card you choose, note that your credit activity will be reported to the three major credit bureaus. So, make sure to use your card responsibly by paying your bill on time and in full, if possible. Any missteps this early in the game could damage the very credit you’re trying to build.