How do I get a $200 credit card from Bank of America?

Your Bank of America credit card limit will vary based on your creditworthiness. The lowest credit limit Bank of America would approve a card for is $200, which is the minimum deposit requirement for the BankAmericard® Secured Credit Card. Other Bank of America credit limits could start out much higher. The Bank of America® Premium Rewards® credit card, for instance, offers a $1,500 minimum credit limit for approved applicants.... read full answer

Generally, cardholders with at least good credit have a better chance at receiving higher credit limits. Your actual credit limit will be determined based on your creditworthiness and income, among other factors. The higher your credit score is, and the more income you have relative to your debt, the higher you can expect your Bank of America credit limit to be.

Here’s how you can get a Bank of America credit limit increase:

• Get an automatic credit limit increase. If you're unsatisfied with your initial Bank of America credit card limit, you may get a higher one later on. Bank of America periodically reviews accounts for an automatic credit limit increase. These reviews typically occur after you've had the card for at least six months. Automatic increases are not guaranteed, however. How much of an increase you'd receive depends on your payment history, existing debt, and other factors.
• Request a credit limit increase. You can also request a Bank of America credit limit increase through your online account or by calling the number on the back of your card. Your chances of getting a credit limit increase will be best if you've paid your credit card bills on time and in full during the last six months.It's also a good idea to update your income information, especially if it has increased since you first received your card.

Ultimately, it is worth noting that when you request a credit limit increase, Bank of America may ask to do a hard pull of your credit. This may cause your score to drop a bit in the short term. By comparison, an automatic credit limit increase will only result in a soft pull, which will have no effect on your credit score.

It is not very hard to get a Bank of America credit card because Bank of America offers cards for people with bad credit or better. The easiest credit card to get from Bank of America is the Bank of America® Customized Cash Rewards Secured Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other Bank of America credit cards, too.... read full answer

Minimum Credit Score for Notable Bank of America Credit Cards

• Bank of America® Customized Cash Rewards Secured Credit Card: bad credit
• BankAmericard® credit card: excellent credit
• Bank of America® Travel Rewards credit card: excellent credit
• Bank of America® Travel Rewards Credit Card for Students: limited credit

As long as you meet the credit score requirement and a few other requirements, it’s not hard to get a Bank of America credit card. As with all credit cards, you’ll need to have a steady income and be at least 18 years old. You’ll also need to have an SSN or ITIN.

Keep in mind that just because it’s not hard to get some Bank of America credit cards, that doesn’t mean it’s necessarily easy to get all of them. You’re also never guaranteed to be approved, even for the cards with the easiest approval requirements.

It takes 7 to 10 business days for a Bank of America credit card to arrive, under normal circumstances. Bank of America credit card customers who need a card sooner can call customer service at (800) 421-2110 to request expedited shipping, which will take 1 to 3 business days.

If your card doesn’t arrive within the typical Bank of America credit card delivery time window, you should call customer service to check on it. They’ll be able to send you a replacement card if the original got lost in the mail.... read full answer

Once you receive your new Bank of America card, you can activate it either over the phone at (800) 276-9939 or online.