Can you upgrade a BankAmericard credit card credit card?

The easiest Bank of America credit card to get is the Bank of America® Customized Cash Rewards Secured Credit Card because applicants can get approved with bad credit. This means the odds of approval are good even with a credit score below 640. On the other hand, the majority of Bank of America credit cards require limited to excellent credit in order to qualify.… read full answer

Easiest Bank of America Credit Cards to Get

• Bank of America® Customized Cash Rewards Secured Credit Card: requires bad credit or better
• BankAmericard® Secured Credit Card: requires bad credit or better
• Bank of America® Customized Cash Rewards Credit Card for Students: requires limited credit or better
• Bank of America® Travel Rewards Credit Card for Students: requires limited credit or better

Having one of these Bank of America credit cards may increase your chances of landing a higher-tier credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.

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.

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: $200 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.