Bank of America

The Bank of America credit card customer service phone number is (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
• 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. fers 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: (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: (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 in to 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: (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: (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: (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 check your Bank of America credit card status either online or over the phone, by calling customer service at (866) 422-8089.

In order to see whether your application is approved, denied or still pending, you'll need to give some basic personal information like your zip code and the last four digits of your Social Security number. This ensures that Bank of America can match you to your application. You can check your application status as often as you like, as it's free and quick.

How to check your Bank of America credit card status online:

1. Go to Bank of America's application status page.
2. Enter your last name, date of birth, last four digits of your Social Security number and zip code.
3. Click “Submit.”

You'll now be able to see any applications you've submitted and whether they have been approved or denied yet. If your application is still pending, don't worry. It may take up to 30 days from when you submitted your application to receive a decision. If you are approved, you can expect your card in 7-10 business days. But if you're denied and think you can justify why you should be approved, you can call customer service and ask for reconsideration.

You can set a Bank of America travel notice online, in the Bank of America app, or over the phone at (800) 432-1000. Although Bank of America allows you to set an online notice, it doesn't require you to do so. You only have to make sure your bank has your email address and mobile phone number so you can be reached while you're traveling, if suspicious activity is detected.

Here's how to set a Bank of America travel notice:

1. Log in to your Bank of America online account.
2. Click on the “Help & Support” tab.
3. Click “Set Travel Notice.”
4. Enter your destinations and travel dates.
5. Select which BofA cards you will be taking.
6. Provide a contact phone number and any additional details you want to mention.
7. Submit your notice.

If you'd rather submit your travel notice through the Bank of America app, you can find the option under the card settings menu. If calling is more convenient for you, you can dial (800) 432-1000, enter your card number, and then tell the representative you'd like to set a travel notice. This also happens to be the number you should call if you forget to set a travel notice and BofA puts a hold on your account.  

The best Bank of America credit card promotion is the Bank of America® Premium Rewards® credit card's initial bonus of 50,000 points for spending $3,000 in the first 90 days. This card also offers a credit statement of up to a $100 for the TSA PreCheck/Global Entry application fee. 

Some of the Best Bank of America Credit Card Promotions

The Bank of America Premium Rewards credit card offers 50,000 points for spending $3,000 in the first 90 days. Plus you can earn 2 points per $1 spent on travel and dining, and 1.5 points per $1 on all other purchases. The card also gives a credit of up to $100 every four years to cover the application fee for Global Entry or TSA PreCheck. In addition, you can receive an airline incidental credit statement every year of up to $100.

The card's annual fee is $95 and you need excellent credit for approval.

The Bank of America Customized Cash Rewards credit card offers $200 for spending $1,000 in the first 90 days. Plus you can earn 3% cash back in a category of your choice and 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly), plus unlimited 1% cash back on all other purchases.

It also has a $0 annual fee and gives intro APRs of 0% for 18 billing cycles on purchases and 0% for 18 billing cycles for any balance transfers made in the first 60 days. After that, you will be charged interest at the card's regular APR. The balance transfer fee is 3% (min $10).

Note that you need excellent credit to get approved for this card.

The Bank of America Travel Rewards credit card offers 25,000 points for spending $1,000 in the first 90 days. Plus you can earn 1.5 points per $1 spent on all purchases. Plus, this card offers an intro APR of 0% for 18 billing cycles on both purchases and balance transfers. After that, you will be charged interest at the card's regular APR. Balance transfers are subject to a fee of 3% (min $10).

The card's annual fee is $0 and you need excellent credit for approval.

If you're looking for a Bank of America credit card promotion for financing, the BankAmericard® credit card will give you 0% intro APR on purchases for 21 billing cycles and balance transfers for 21 billing cycles for any balance transfers made in the first 60 days. After that, you will be charged interest at the card's regular APR. Balance transfers are subject to a fee of 3% (min $10).

The card's annual fee is $0 and you need excellent credit for approval.

The Bank of America Cash Rewards for Students offers $200 for spending $1,000 in the first 90 days. Plus you can earn 1 - 3% cash back on purchases. Plus, this card offers an intro APR of 0% for 18 months on both purchases and balance transfers. After that, you will be charged interest at the card's regular APR. Balance transfers are subject to a fee of 3% (min $10).

The card's annual fee is $0. People with limited credit history can get approved for this card.

Alternative Credit Card Option for Bad Credit

If you have bad credit, there's still a Bank of America credit card for you. You can get the Bank of America® Customized Cash Rewards Secured Credit Card, which has a $0 annual fee. You make a security deposit of $200 and receive a credit line equal to that amount. 

This card offers 3% cash back in a category of your choice, 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly in the 3% and 2% categories combined), and 1% back on all other purchases.

A Bank of America Preferred Rewards client is someone who averages at least $20,000 in a Bank of America checking or savings account or Merrill Edge brokerage accounts. That includes IRAs. Bank of America Preferred Rewards clients receive 25% to 75% more rewards on purchases with select BofA credit cards. Other benefits include no fees on certain banking services and extra interest on savings accounts.

Here's how to join Bank of America Preferred Rewards:

1. Have $20,000+ in your Bank of America deposit/investment accounts. 

2. Sign in to your Bank of America online banking account. 

3. Follow the prompts to enroll in the program. There are no fees to join or participate.

Bank of America Preferred Rewards has three tiers, based on how much you have in qualifying accounts: Gold ($20,000-$49,999), Platinum ($50,000-$99,999) and Platinum Honors ($100,000+). Preferred Rewards automatically upgrades you to the next tier when your balance reaches the required threshold. The higher the tier, the better benefits you get.

Here are the Bank of America Preferred Rewards benefits:

· Rewards bonus: On select Bank of America credit cards, you'll get 25% more rewards as a Gold member, 50% for Platinum and 75% for Platinum Honors. Some eligible cards include the Bank of America® Customized Cash Rewards credit card, the Bank of America® Travel Rewards credit card and the Bank of America® Premium Rewards® credit card. 

· Higher savings interest rates: Gold status clients receive a 5% boost on their savings account's interest rate. Platinum status gets you a 10% increase. And Platinum Honors members get 20%.

· ATM fee reimbursement: Platinum and Platinum Honors members get reimbursed for non-Bank of America ATM withdrawal fees. Platinum gets you up to 12 fee waivers per month, while this benefit is unlimited for Platinum Honors members.

· Free trades: Platinum clients get up to 30 free trades a month through Merrill Edge. Platinum Honors members get 100.

· Waived fees: Gold, Platinum and Platinum Honors clients get no maintenance fees on up to 4 checking and 4 savings accounts (8 total). Plus, there are no fees for replacement cards (even rushed) or overdraft protection. Platinum and Platinum Honors clients also get free international wire transfers and a small safe deposit box. 

· Auto loan discount: Gold gets a 0.25% interest rate reduction on Bank of America auto loans, while Platinum gets 0.35% and Platinum Honors gets 0.5%. 

· Mortgage fee discount: Gold gets a $200 discount on Bank of America mortgage origination fees, while Platinum gets $400 and Platinum Honors gets $600. 

Bank of America Preferred Rewards clients get all the benefits of their tier for 12 months after enrolling. If after 12 months they no longer meet the requirements, they'll have a three-month grace period. 

If a Gold status client still hasn't met the requirements after three months, they'll lose all their benefits. Platinum and Platinum Honors clients will move down to a lower tier.