Best Bank of America Credit Cards

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 limited credit history or 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: less than 3 years of credit history+ (Limited History)
• Bank of America® Unlimited Cash Rewards credit card for Students: less than 3 years of credit history+ (Limited History)
• Bank of America® Customized Cash Rewards Credit Card for Students: less than 3 years of credit history+ (Limited History)
• Bank of America® Premium Rewards® credit card: 750+ (Excellent credit)
• BankAmericard® credit card: 750+ (Excellent credit)
• Bank of America® Travel Rewards credit card: 750+ (Excellent credit)
• Bank of America® Customized Cash Rewards credit card: 750+ (Excellent credit)
• Bank of America® Unlimited Cash Rewards credit card: 750+ (Excellent credit)
• Bank of America® Premium Rewards® Elite Credit Card: 750+ (Excellent credit)

Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.

You should also 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 a Bank of America 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.

It is not very hard to get a Bank of America credit card because Bank of America offers cards for people with bad credit or better. The easiest credit card to get from Bank of America is the Bank of America® Customized Cash Rewards Secured Credit Card, which 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
• BankAmericard® credit card: excellent credit
• Bank of America® Travel Rewards credit card: excellent credit
• Bank of America® Travel Rewards Credit Card for Students: limited 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.

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.

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.

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.

The best credit cards can save cardholders $300 to $650+ per year, compared to the average offer, thanks to uniquely valuable rewards, low rates and fees, and various special features. The key to finding the best credit card is to determine which features are most important to you, then compare offers in search of the best deal.

Best Credit Cards of 2022

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. Please keep in mind that while some offers may come from WalletHub advertising partners, sponsorship status played no role in card selection.

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The easiest credit cards to get approved for with no credit or bad credit are secured credit cards. These cards have annual fees as low as $0 and report monthly to the 3 major credit bureaus. Some even give rewards of 1% or more. To help people with no credit or bad credit maximize their odds of approval for a credit card, WalletHub’s editors compared the approval requirements for more than 1,500 credit card offers, along with their fees, rates and rewards.

Easiest Credit Cards to Get Approved For

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. Please keep in mind that while some offers may come from WalletHub advertising partners, sponsorship status played no role in card selection. 

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The best instant approval credit cards offer really good rewards, low interest promotions and low fees, in addition to approving qualified applicants within minutes. Instant approval credit cards will evaluate applications in real time so that most people are able to get a decision – either approved or denied – right away. Getting an instant decision ultimately depends on the credit card company’s ability to validate your identity (some offers are from WalletHub partners). If a credit card issuer is unable to validate your identity, they may request additional information and take a few days to process the application.

The cards listed below offer high approval odds for people with bad credit, in addition to instant approval for some applicants. After all, people typically search for instant approval credit cards when they’re having trouble getting other cards due to damaged credit, and using a credit card responsibly is the key to rebuilding credit.
 
If you want to increase your odds of getting instant approval, focus on cards that are suitable for your credit standing. The higher your credit score is, the more instant approval credit cards there will be.

Best Instant Approval Credit Cards (August 2022)

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