If you’re interested in a Bank of America credit card, you can use an online tool on the Bank of America website to check for “customized offers”.
This involves filling out a brief application that asks for basic contact information like your name and Social Security number. You will also be asked to specify the type of credit card you are interested in such as a rewards card, a balance transfer card, a cash-back card, etc., though you have the option to say you’re not sure. If you’re a Bank of America customer, you have the option to log in with your username and password from this page to prepopulate the form.
Once you submit the form, Bank of America will do a soft inquiry of your credit, meaning they’ll take a quick peek at your current credit health. Because it’s not a hard inquiry, it will not show up on your credit report or have a negative impact on your credit score.
After a few moments, your information will be processed, and you’ll receive an offer for a card (or cards) that match your credit level and criteria. After that, you can decide if you want to move forward with an official application. These do not guarantee any likelihood of approval for the cards that appear, so bear that in mind and be sure to do your own research before applying if you’re worried about application denial.
How To Apply for a Bank of America Credit Card Without Preapproval
If there’s a particular Bank of America credit card that you know you want and you have the credit score and income to qualify, you can skip past the customized offer page and go straight to the application.
You can apply for a Bank of America credit card by finding the card’s page online and clicking the Apply Now button on that page. You’ll need to supply your personal information, including Social Security number and total annual income.
You can also apply for a Bank of America credit card over the phone by calling 800-932-2775.
After your submit, one of the following things will happen:
- You’ll be approved.
- You’ll be informed that you qualify for a different card offer.
- You’ll have to wait while your information is under review.
- You’ll be denied.
If you’re approved, you’ll receive your card within seven to 10 days. If you’re denied, Bank of America has to tell you why, which will give you the opportunity to seek other products better suited for you.
