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.  

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 fee info:

• 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 no foreign transaction fee credit cards:

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.

The best Bank of America balance transfer offer is the BankAmericard Credit Card, which has 0% balance transfer APR for the first 15 months and sometimes offers a special $0 transfer fee for the first 60 days your account is open. The same Bank of America balance transfer offer also is available to students with limited credit or better.

Several other Bank of America credit cards offer 0% balance transfer APRs for 12 months. But they also charge 3% balance transfer fees. While Bank of America Travel Rewards and Premier Rewards credit cards do allow balance transfers, there’s no intro APR and they charge a 3% transfer fee. Needless to say, they didn’t make the list.

Bank of America allows you to transfer 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, so initiate your transfer as soon as possible because the APR period starts as soon as you open your account. The standard APR range for Bank of America credit cards is 16.74%-24.74%. So that’s what you’ll pay on any balance left over after a 0% intro rate.

Here are the best Bank of America balance transfer offers:

• BankAmericard Credit Card: 0% APR for 15 months. $0 transfer fee for 60 days (not always available). Excellent credit required.
• BankAmericard for Students: 0% APR for 15 months. $0 transfer fee for 60 days (not always available). Limited or fair credit accepted.
• Bank of America Cash Rewards: 0% APR for 12 months when completed in first 60 days. 3% transfer fee ($10 min). Excellent credit required.
• World Wildlife Fund Cash Rewards Visa:  0% APR for 12 months when completed in first 60 days. 3% transfer fee ($10 min). Good credit required.
• Allegiant World Mastercard: 0% APR for 12 months when completed in first 60 days. 3% transfer fee ($10 min). Good credit required.

So, there are two very good Bank of America balance transfer deals: the BankAmericard Credit Card and the BankAmericard Credit Card for Students. But if neither suits your needs, consider Chase Slate and Amex EveryDay. Chase Slate gives people with good credit 15 months (while Amex 12 months) 0% APR and a $0 transfer fee.

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 rental car insurance is a complimentary benefit that comes with all Bank of America credit cards. The coverage is actually provided by Visa and Mastercard, depending on which network your BofA card is on. The specifics vary by card network, too, but you’re generally covered against damage and theft up to a rental vehicle’s cash value.

Not all situations are covered by Bank of America rental car insurance. Certain types of vehicles are excluded, and there are restrictions on the length of the rental period as well as eligible countries. You can find all the specifics in your card’s benefits guide.

Here’s how Bank of America credit card rental car insurance works:

• Eligible cards: All Bank of America credit cards.
• Coverage period: 31 or fewer consecutive rental days for Visa. 15 for Mastercard.
• Coverage amount: Up to the cash value of most vehicles for Visa. Up to cash value of vehicles worth $50,000 or less for Mastercard.
• Covered situations: Damage to and theft of rental cars, loss of use charges, and towing charges.
• Non-covered situations: Driving while intoxicated, driving off road, damage/theft of personal items, general wear and tear/deterioration, and more.
• Non-covered places: Republic of Ireland, Northern Ireland, Israel and Jamaica.
• Non-covered vehicles: Exotic/antique cars, large vans, vehicles with open cargo beds, trucks, motorcycles and more.

• Other requirements: Must decline the rental agency’s insurance offer.

Bank of America credit card rental car insurance is secondary to other insurance you have. So if you have a personal auto insurance plan that covers rental cars, you need to get reimbursed through that first. Then, Bank of America may give you more money after you show them what you got from the first source.