How hard is it to get a Bank of America credit card? This question is about Bank of America Credit Cards

It is not very hard to get a Bank of America credit card because the issuer offers cards for people with bad credit or better. One of the easiest credit cards to get from Bank of America is the Bank of America® Customized Cash Rewards Secured Credit Card. The card 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. Minimum Credit Score for Notable Bank of America Credit Cards Bank of America® Customized Cash Rewards Secured Credit Card: Bad credit Bank of America® Unlimited 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: Excellent 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.

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How hard is it to get a Bank of America credit card?

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This question is about Bank of America Credit Cards

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Sydney Garth, Credit Cards Moderator

@sydneygarth • 04/10/23 This answer was first published on 10/14/21 and it was last updated on 04/10/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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It is not very hard to get a Bank of America credit card because the issuer offers cards for people with bad credit or better. One of the easiest credit cards to get from Bank of America is the Bank of America® Customized Cash Rewards Secured Credit Card. The card 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.

Minimum Credit Score for Notable Bank of America Credit Cards

Bank of America® Customized Cash Rewards Secured Credit Card: Bad credit
Bank of America® Unlimited 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: Excellent 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.

@davidb_433

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Sorry but don't agree with the statement that Bank of America cards are easy to get. Have been trying for years off and on with no luck. At this point in rebuilding my credit I won't go backwards and apply for a secured card.

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What are the Bank of America credit score requirements?

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.

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+...

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Does Bank of America do a soft pull for their credit cards?

No, Bank of America doesn’t do a soft pull for its credit cards; they will do a hard pull when you submit an application for any of their credit cards.

It is also worth noting, though, that you can prequalify for Bank of America credit cards on their pre-qualification page, which will not affect your credit score as it will result in a soft pull. However, if you do prequalify and want to get the card, you will need...

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Does Bank of America have pre-qualification?

Yes, Bank of America does have pre-qualification. Bank of America has an online pre-qualification page where potential applicants can quickly check their odds of approval for certain Bank of America credit cards before they actually apply for one. Current Bank of America customers may also receive pre-qualified offers periodically by e-mail or when logging into their card’s online account. And in some cases, Bank of America will send people pre-qualified offers for a specific credit card...

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