Bank of America Credit Cards

The Bank of America credit card customer service phone number is 1-800-732-9194. To speak with a live Bank of America credit card customer service representative, enter the last four digits of your SSN or account number, then press 0 to skip the intro menu, and say “Service” when asked to describe your reason for calling. Say “Service” again if asked twice, then press “4,” and you’ll get to a live person.  

The standard menu options when calling Bank of America credit card customer service are 1 for fee-related questions, 2 for disputing charges, 3 for reporting suspicious account activity, and 4 for all other inquiries. If you don’t press anything after entering your account info, the automated system will list the most recent payment received, balance activity, available credit for purchases and cash advances, and rewards balance. Offers for new credit cards or balance transfers will be listed as well. Press 0 at any time to skip this info.

Live customer service is available 24/7 for lost or stolen credit cards. Automated customer service is available 24/7 for existing Bank of America credit card accounts.

Bank of America credit card customer service number and more:

1. Live Customer Service: 1-800-732-9194. After entering your account info, press 0 and say “Service” when prompted to describe your reason for calling. You might be asked a second time—just say “Service” again and another menu will be prompted. Press 4 for “all other inquiries.”
2. Automated Customer Service: 1-800-732-9194. Enter last 4 digits of SSN or account number. The menu will automatically list recent payment info, balance, available credit, rewards balance and more. Press 0 at any time to skip.​​​​​​​
   
3. In-Person Credit Card Support: Schedule an in-person appointment online by logging into your account and selecting “Schedule an appointment” on the right side under “Activity Center.” Choose the bank branch, date, time, and discussion topic. ​​​​​​​
   
4. Secure Message Center: Log in to your account online and select “Help & Support.” Then click “Contact Us” and select the topic you wish to discuss. If email is an option, you can select the “Email” button and receive a response within 2 days.​​​​​​​
   
5. Lost or Stolen Credit Card: 1-800-732-9194. Say “lost or stolen credit card” when prompted to describe your reason for calling. The most recent charges will be listed so you can confirm which are valid. You’ll be transferred to a live representative to reissue your card or close the account.​​​​​​​
   
6. Fraudulent Charges on Credit Card: 1-800-432-1000. Call if you suspect fraudulent activity on your credit card account.​​​​​​​
   
7. Customer Service on Social Media: You can send them a direct message using @BofA_Help on Twitter. Or, select the “Send Message” button on their FB page. Hours are 8am-9pm M-F, 8am-8pm Sat, and 8am-5pm Sun (ET). Just don’t include your SSN or account number.​​​​​​​
   
8. Credit Card Activation: 1-800-276-9939. You’ll be asked to say or enter your account number, SSN, zip code, or the phone number connected with your account.
   

As you can see, there are several ways to get in touch with Bank of America for credit card customer service. You can also access FAQs through BofA’s mobile app. And BofA tends to score high in customer satisfaction, so it’s likely you’ll have a positive experience.  

You can easily check if Bank of America will pre-qualify you for a credit card online. All you have to do is provide your name, birth date and Social Security number, and Bank of America’s pre-qualify tool will show you any BofA credit cards for which you have good approval odds. You might also receive a pre-qualified offer in the mail, which will only be for a single card.

Pre-qualification doesn’t guarantee you approval. But pre-qualified applicants end up being approved in the vast majority of cases. Pre-qualification doesn’t affect your credit at all since it uses a soft inquiry. But if you want to apply for a card, Bank of America will do a hard inquiry, which will cause a temporary score dip. This decrease is easily fixed with a few months of responsible card use, though. If you’d like to check for pre-qualification, you can do it in minutes.

If you already have a Bank of America account, all you have to do is log in on the pre-qualification page and you’ll be able to see your offers right away without inputting any extra information. If you don’t have an account, you just need to follow five simple steps.

Here’s how to get Bank of America to pre-qualify you for a credit card:

1. Go to Bank of America’s pre-qualification page. 
2. Click “Continue without signing in.”
3. Enter your full name, birth date and the last four digits of your Social Security Number. Click “Continue.”
4. Enter your address and select what type of credit card you’re interested in (you can also select that you don’t have a preference). 
5. Click “Show me my offers.”

You’ll now be able to see any cards that Bank of America thinks you’d be a good candidate for. If you got a pre-qualification letter in the mail, you can either fill out the enclosed application, or use the special code provided when you apply online to flag your application as pre-qualified.

The Bank of America foreign transaction fee is 3% or 0% of all international transactions, depending on the BofA card. There are 9 Bank of America credit cards with no foreign transaction fees, including the BofA Premium Rewards and Travel Rewards cards.

Those no foreign fee BofA cards clearly are a better choice for international spending than the ones with a 3% surcharge for everything you buy abroad. That’s actually one of the highest foreign fees on the market. So international shoppers need to be careful when picking a Bank of America credit card and perhaps consider cards from other issuers too.

Bank of America foreign transaction fees:

Some Bank of America credit cards have a 3% foreign transaction fee.

Other Bank of America credit cards have no foreign transaction fee.

Foreign transaction fees can apply when you travel abroad or make online purchases from foreign merchants.

At 3%, the Bank of America foreign transaction fee is too steep for anyone planning to make international purchases. But the cards that charge it are meant more for everyday spending than travel. The good news is there are a handful of foreign fee-less alternatives.

Best Bank of America credit cards with no foreign transaction fees:

1.  Bank of America Premium Rewards - Biggest Bonus

2.  Bank of America Travel Rewards - No Annual Fee

3.  Alaska Airlines Credit Card - Best Airline Rewards

4.  Bank of America Travel Rewards for Students - Best Student Card

Plus, more and more cards from other issuers are shedding their foreign fees. So you can shop around for the best deal.

Bank of America balance transfer offers allow you to shift several types of debt. Options include auto loans, student loans, mortgages, small business loans and payday loans. You just can’t transfer debt between BofA products.

Balance transfers take at least 14 days to complete. Initiate your transfer as soon as possible because the intro APR period starts as soon as you open your account. When the intro period ends, any remaining balance will accrue interest at the card’s regular APR.

Today’s Bank of America balance transfer offers:

• BankAmericard® credit card
• BankAmericard® Credit Card for Students
• Bank of America® Cash Rewards Credit Card for Students
• AAA Credit Card
• World Wildlife Fund Credit Card

So, there are two very good Bank of America balance transfer deals: the BankAmericard Credit Card and the BankAmericard Credit Card for Students. Keep in mind, however, that you will need excellent credit to qualify for the BankAmericard Credit Card, and you need to be a student to get the limited-credit version.

You can request a Bank of America credit line increase online or by calling customer service at 1 (800) 732-9194. For the best chances of receiving a Bank of America credit line increase, you should have at least six consecutive months of on-time payments under your belt. Having more income and/or less debt than you did when you got your Bank of America credit card will help, too.

When you request a Bank of America 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. But if you get a higher limit, that can help your score long-term. Anyway, depending on what Bank of America’s computer system decides, they may just do a harmless soft pull of your credit instead.

Bank of America may offer you a credit limit increase without you asking. They’ll periodically review your account to see if you are eligible. A credit line increase from this type of review always uses a soft pull.

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

1. Sign in to your Bank of America online account. You’ll need to enroll in online banking if you haven’t already.
2. Go to the “Account details” page.
3. Click the “Information and Services” tab.
4. Look to see if there is a button for increasing your credit limit. It will only appear if your account is eligible.
5. Enter your total annual income, the amount of the increase you want, and click “Submit Request.”

You will receive your Bank of America credit line increase decision either on the site or by email.

If you would like to request a Bank of America credit line increase by phone, call 1 (800) 732-9194 and enter your card number. When connected to a representative, tell them you’d like a higher limit. They will ask for your income, desired increase amount and permission to do a hard pull, if applicable.

A Bank of America cash advance lets you borrow money from your credit line, via ATM withdrawal, paper check or direct deposit to a bank account. But there’s a high cost. Bank of America’s balance transfer fee is 3% or 5% of the transaction amount, and interest immediately starts accruing at an annual rate of 17.99% to 26.99%. The exact fee depends on the type of transaction you choose, but there’s a minimum charge of $10 in all cases. Your exact cash advance APR is based on both your creditworthiness and the type of cash advance.

The cash advance APR applies immediately and interest compounds daily. So each day you owe interest on all past interest plus your principal balance. That’s why it’s best to avoid cash advances except in emergencies.

To get a Bank of America cash advance at an ATM, you’ll need to request a PIN. You can do this through your online account or by calling the number on the back of your card. With other methods, you won’t need a PIN since you’ll confirm your identity in person, online or through a check you were issued. But before you take out a cash advance, you should make sure you know all of the potential fees and interest rates.

Bank of America Cash Advance Info:

• Cash advance from an ATM: 5% fee ($10 min.), 17.99% to 26.99% APR
• In-person cash advance (from a bank teller): 5% fee ($10 min.), 26.99% APR
• Same-day transfer to BofA bank account: 5% fee ($10 min.), 26.99% APR
• 1-3 business day deposit into bank account: 3% fee ($10 min.), 17.99% to 26.99% APR
• Cash advance check: 3% fee ($10 min.), 17.99% to 26.99% APR
• Cash equivalents (money order, traveler’s check, etc.): 5% fee ($10 min.), 26.99% APR

As you can see, there are lots of different ways to get a Bank of America cash advance. But they’re all extremely costly, with high fees and interest. So you should really avoid them unless you have absolutely no choice.

A Bank of America credit card’s interest rate can be anywhere from 14.74% to 24.99%. It depends on both your creditworthiness and which Bank of America credit card you apply for. All Bank of America credit card APRs are variable, meaning they can change over time.

Here are the Bank of America credit card interest rates:

• BankAmericard Credit Card: 14.74% - 24.74% regular APR. 0% on purchases and balance transfers for 15 billing cycles.

• BankAmericard Credit Card for Students: 14.74% - 24.74% regular APR. 0% on purchases and balance transfers for 15 billing cycles.
• Bank of America Cash Rewards: 14.99% - 24.99% regular APR. 0% on purchases and balance transfers for 12 billing cycles.
• Bank of America Travel Rewards for Students: 16.74% - 24.74% regular APR. 0% on purchases for 12 billing cycles.
• Bank of America Cash Rewards for Students: 14.99% - 24.99% regular APR. 0% on purchases and balance transfers for 12 billing cycles.
• Bank of America Travel Rewards: 16.74% - 24.74% regular APR. 0% on purchases for 12 billing cycles.
• Bank of America Premium Rewards: 17.74% - 24.74% regular APR. No intro APR.
• BankAmericard Secured: 21.99% regular APR. No intro APR.

Each Bank of America credit card also has more than one interest rate. There’s the regular APR, which applies to purchases and balance transfers and ranges from 14.74% to 24.99%. Several cards have a 0% APR on purchases and/or balance transfers for a certain number of months before the regular APR takes effect. And if you miss a payment, you could have a penalty interest rate of up to 29.99%. The APR for cash advances can be anywhere from 17.74% to 26.99%, depending on your creditworthiness and card.

If you want to increase the chances of getting a low Bank of America credit card interest rate, you should make sure your credit is as good as possible before applying. Doing anything you can to bump up your income can also make a difference. But if you pay your credit card bill in full every month, you won’t ever have to worry about the interest rate.

There are three ways to redeem Bank of America cash rewards: statement credit, direct deposit to a BofA/Merrill Lynch account, or personal check. Cardholders must have a minimum of $25 in cash back earned in order to redeem, regardless of redemption method.

Using your Bank of America cash rewards for a statement credit is one of the simplest options. Once you have at least $25 in cash rewards, you can directly apply your rewards as a statement credit and the amount will be subtracted from your current balance.

To redeem your cash rewards for a direct deposit, you must have a Bank of America checking or savings account or a Cash Management Account at Merrill Lynch. If you choose to redeem your rewards using the personal check option, you should expect to wait at least 14 days for the check to arrive by mail.

Like all other credit cards, Bank of America cards offer $0 fraud liability guarantees, which means you won’t have to pay for unauthorized purchases. Below, you can also check out where Bank of America ranks in a handful of WalletHub studies on important credit card benefits.

• 1st – Small Business Friendliness

• T-1st – Application Clarity

• 5th – Customer Satisfaction

• 14th – Rental Car Insurance
  

You can learn more about Bank of America and browse customer reviews on its WalletHub details page.

Bank of America cash back deals allow most Bank of America credit card and debit card users to earn as much as 15% cash back at a changing selection of restaurants, stores and other retailers. Different deals will expire at different times, lasting anywhere from a few days to over a month. To see the current deals, log into your Bank of America account, click on “Special Deals and Offers,” and hit “Add this deal” when you see an offer you like. Once you’ve activated a deal, you can claim your extra cash back by simply paying with your Bank of America credit card at that retailer.

That’s the basic outline, but there are some useful details you should be aware of.

Here’s what you should know about Bank of America cash back deals:

• You can find deals on the Bank of America app as well as the website. Download the app, log in, and click “Choose your deals.”
• You need to actually sign up for specific deals to earn extra cash back. Simply shopping at featured merchants is not enough.
• There is no limit to how many deals you can activate at a time.
• The cash back you receive from Bank of America deals is in addition to any you earn through your Bank of America card’s rewards program.
• You can use Bank of America debit and credit cards for cash back deals, but there are some exclusions. You can’t get the deals with ATM-only cards, a type of debit card that only works for withdrawing cash from ATMs. Corporate cards and some co-branded cards are also ineligible.
• You can choose to get email and text alerts when new deals become available. In the app, click on the “Alerts” tab. You’ll be able select which notifications you want sent to your phone. You can also sign up for alerts online by logging into your account and going to “Help and Support,” then “Mobile Banking.” Click “Set Up/Manage Mobile Banking Settings,” and you’ll see your alert options.
• Some deals require you to pay either online or in person.
• The cash back you earn will be credited to your account at the end of every month.

Bank of American cash back deals aren’t quite as easy to take advantage of as regular rewards. There’s the extra step of finding and claiming special offers. But the savings are significant. And the deals are free to claim. So all in all, they’re definitely worth using, as long as you’re choosing offers that fit with your typical spending patterns.