Is it hard to get a BankAmericard credit card?

The BankAmericard® credit card credit score requirement is 750 or better. That means people with excellent credit or better have a shot at getting approved for the BankAmericard credit card.

You should 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 the BankAmericard 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.… read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the BankAmericard credit card credit score requirement. You can check your credit score for free on WalletHub.

Your Bank of America credit card approval odds are best if you have a credit score of 750 or higher. Most Bank of America credit cards require excellent credit for approval. You can also check for Bank of America pre-approval to get a better sense of your BofA credit card approval odds.… read full answer

The Bank of America credit card with the highest approval odds is the Bank of America Custom Cash Secured Card, which you can get with bad credit. If you're in college, there's a very good chance you'll be approved for one of the Bank of America student cards.

Here's what you need for good Bank of America credit card approval odds:

• Bank of America Custom Cash Secured Card: $300 minimum security deposit, bad credit accepted.
• BankAmericard® Credit Card for Students: Fair credit or limited, enrollment in a college or university.
• Bank of America Cash Rewards for Students: Fair credit or limited, enrollment in a college or university.
• Bank of America Travel Rewards for Students: Fair credit or limited, enrollment in a college or university.
• Bank of America Customized Cash Rewards credit card: Excellent credit
• Bank of America Travel Rewards credit card: Excellent credit
• Bank of America Premium Rewards credit card: Excellent credit
• BankAmericard credit card: Excellent credit

In general, your chances of being approved for a Bank of America credit card depend on your credit standing, income and debt, as well as which card you apply for.

Bank of America will also consider things like your employment status and how many credit accounts you have open. All applicants need to be at least 18 years old and U.S. residents. Non-resident aliens are eligible for certain credit card offers at local Bank of America financial centers.

How to increase your Bank of America credit card approval odds:

• Always pay your bills on time.
• Keep your credit utilization at 30% or less.
• Improve your credit score.

If you have your sights set on a card, make sure you know where you stand before applying. You can check your score for free, right here on WalletHub.

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… read full answer, 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 to submit an actual application which will result in a hard pull.

A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. Even so, there are steps you can take to minimize the credit score damage.