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 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.

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: 0% for 18 billing cycles for balance transfers made in the first 60 days on balance transfers.$0 transfer fee for 60 days (not always available).
• BankAmericard® Credit Card for Students: 0% for 15 months on balance transfers. $0 transfer fee for 60 days (not always available).
• Bank of America® Cash Rewards Credit Card for Students: 0% for 12 months on balance transfers. APR when completed in first 60 days. 3% (min $10) transfer fee.
• AAA Credit Card: 0% for 12 months on balance transfers. 3% (min $10) transfer fee.
• World Wildlife Fund Credit Card: 0% for 12 months on balance transfers. 3% (min $10) transfer fee.
  

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, andyou 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.