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When you enroll in the Preferred Rewards program, you can get a 25% — 75% rewards bonus on all eligible Bank of America® credit cards.
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The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit.
Bank of America credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt.
You'll receive your card within 10 business days after you're approved. Before you use your new card, you can activate it in one of several ways: Log in to the Mobile Banking app and select your card account, then scroll to the Card Management section and select the Activate Card button.
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.
Secured credit cards and those designed for individuals with poor or limited credit are typically the easiest to get approved for. Cards such as the OpenSky® Secured Visa® and the Capital One Platinum Secured Credit Card are good examples.
Unfortunately, the BankAmericard credit card for Students is very difficult to get if you're the average undergrad. You'll need a good to excellent credit score for the best approval odds. This usually means a FICO score above 670. If you manage to be approved for this card, there aren't many perks to it.
One of the best Bank of America credit cards for bad credit is the Bank of America® Customized Cash Rewards Secured Credit Card because it offers 1 - 3% cash back on purchases. The Bank of America Custom Cash Secured Card also has a $0 annual fee.
Bank of America doesn't limit the number of credit card accounts you can have at one time. How many Bank of America credit cards you, personally, can have depends on your credit standing, income, and debt. You must be able to afford the monthly payments on each account. Avoid applying for a lot of credit cards at once.
Factors that often result in a denial include: Too many recent hard credit inquiries. Lack of any banking or investment accounts with Bank of America. Too many existing Bank of America credit card accounts.
If you are approved and agree to your new credit card disclosures, you can start using your card now for certain purchases. You will be provided your new account information on screen, so be sure to write it down. You will receive your new credit card through the mail in 7-10 business days.
Not every Bank of America credit card or approved applicant is eligible to receive an instant credit card number. Current customers may have a better chance of getting a card number instantly if they apply through the mobile app.
Applying for a credit card online is often the quickest option. You could get a near-instant answer to your application. And if you're approved, some lenders may give you a virtual card number to start using straight away.
Usually, you can find a credit card you really want, apply for the card online and receive approval for your new card all on the same day. But this isn't always the case, and you'll also have to wait a while to receive your credit card after you're approved.
One of the easiest U.S. Bank credit cards you can get is the U.S. Bank Cash+® Visa® Secured Card. This card is available to applicants with bad credit, has a $0 annual fee and requires a minimum deposit of $300 to open the account. The deposit will serve as your credit limit.
The Bank of America card that gives the highest credit limit is the Bank of America® Customized Cash Rewards credit card, which has a reported maximum limit of $95,000. Your individual limit will be determined based on your credit history, income, outstanding debts, and other factors.
The Bank of America Travel Rewards credit card would be much more appealing if more people could get it. Instead, you need a credit score of 750 or higher to have a good chance of being approved.
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