Credit Score Needed for a Bank of America Credit Card (2024)

FAQs

Credit Score Needed for a Bank of America Credit Card? ›

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. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Bank of America credit card.

Each of Bank of America's credit cards has its own approval requirements, though most require at least a “good” credit score, which FICO defines as 670 and above.

The BankAmericard is for those with good or excellent credit, which typically includes any FICO credit score of 670 or higher. Scores of 670 to 739 are considered good by FICO, while 661 to 780 is considered good by VantageScore.

You need a credit score of 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. For example, it is possible to get approved for certain Bank of America credit cards even if you have bad credit.

Yes, it is hard to get the BankAmericard® credit card because it requires excellent credit for approval. Unless your credit score is 750 or higher and you have a lot of income, it will be difficult for you to get approved for the BankAmericard credit card.

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. This means the odds of approval are good even with a credit score below 640.

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. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Bank of America credit card.

Bank of America primarily uses Experian reporting data, though it pulls Transunion reports in some states.

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 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.

Does Bank of America approve bad credit? ›

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. This card requires a $200+ security deposit.

Bank of America application restrictions

According to cardholder reports, Bank of America uses a 2/3/4 rule: You can only be approved for two new cards within a 30-day period, three cards within a 12-month period and four cards within a 24-month period.

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

What's the status of my credit card application? If you applied for a Bank of America credit card online, you can check the status of your application online. You can also check the status by calling us at 866.422.

Your Bank of America credit card limit will be based on your credit standing once your application has been approved. 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.

What score model was used to calculate my score? Your score in Online Banking is a FICO^® Score 8 based on TransUnion Data to manage your account and that is what Bank of America shares with you. FICO^® Scores consider five main categories of information from your credit report.

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.