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.

The types of credit cards Bank of America offers include credit cards for students, low interest credit cards, cash rewards credit cards, travel rewards credit cards, business credit cards, and credit cards to help build credit. Bank of America offers credit cards to people of all credit levels.

Types of Credit Cards Bank of America Offers

• Cash back credit cards
• Travel rewards credit cards
• Low interest rate credit cards
• Secured credit cards
• Credit cards for students
• Business credit cards

Whether you are a student looking for a credit card to help build credit or someone with good credit looking to maximize their rewards, there may be a Bank of America credit card to fit your needs. Below, you can see WalletHub’s editors’ picks for the best BofA credit cards by category.

Best Bank of America Credit Cards by Category

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

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