Advertiser Disclosure, Use prequalified offers and card matches to find the best card for your credit profile, by Here’s everything you need to know about scoring a prequalified offer for a Bank of America card. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Find card offers you are more likely to qualify for without impacting your credit score. Lo and behold I look at my account on my desktop today, click the link and the re-design makes it look as if I'm prequalified for every single card they offer. Pre-qualified: Most offers you receive are “pre-qualifications,” meaning the credit card issuer has done a quick cursory review of your credit through a soft pull. Bank of America doesn’t offer credit card preapproval. The new BOA pre qual site is nothing but BS. Every card issuer has its own unique policies on credit card applications, and knowing these policies is often the difference between an approval and a denial. But occasionally, you can get a targeted offer for a Bank of America card in the mail. After the intro APR offer ends, a Variable APR that’s currently 12.99% - 22.99% will apply. To use CardMatch, just enter basic personal information including your name, address and the last four digits of your Social Security number. CreditCards.com is an independent, advertising-supported comparison service. Credit card pre-approval can help. Credit card preapproval means that you've met a card issuer's initial criteria for a card. I just checked it and they "recommended" the same card… To apply for a credit card I will need to click through to complete and submit an application directly with that credit card issuer. Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. 0% intro APR for 15 billing cycles on purchases and balance transfers (made in the first 60 days), then 13.99% to 23.99% (variable). Last 4 digits of Social Security number *. It will only take a minute and won’t impact your credit score. With a 740 credit score and 20K in their bank, they would not raise my credit limit 1k at my request so I could buy a lawn mower. Essential news and expert tips in your inbox every week. When you apply for credit card pre-approval, the bank performs what’s called a “soft” credit inquiry. Subscribe to get the week’s most important news in your inbox every week. By following a few simple steps, you can help ensure you’re headed in the right direction when it comes to managing your credit card debt. Bank of america pre qualify credit cards. Last name *. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Before you leave, please take a moment to answer these 4 simple questions. If you check CardMatch, the Bank of America site and your mailbox only to find you haven’t been targeted for the card you’re interested in – don’t worry. Credit analysts have the power approve you over the phone – so be nice! Suffering a hard pull to your credit, only for your application to be denied, can be a big disappointment. Date of birth *. One reason is that offers aren’t always based on your specific credit profile. It does not contain information on mortgage pre-approvals. The card also comes with a solid sign-up bonus of 20,000 points. I've banked with them since they were NationsBank and they never prequal me for anything. Do this by making consistent, on-time payments on your other accounts and keeping your credit utilization ratio low. By submitting your feedback, you agree Bank of America, its affiliates and any authorized parties may use, commercialize or reproduce the feedback without restriction or any compensation to you. For current Bank of America customers, getting personalized card offers is as easy as signing into your account. American Express cards: Your 4-digit code is located on the front of your card, just above the embossed card number. Pre-Approved Bank of America Cards You can view different Bank of America opportunities by clicking on Bank of America Customized Offers.You’ll need to fill out your name, address, DOB, and the last 4 digits of your SSN. You can earn 1.5 points for every dollar spent on all purchases, including travel, with the Bank of America® Travel Rewards credit card. Additionally, you can ask if you have any prequalified credit card offers while visiting a Bank of America branch location. But if you carry a balance on the BankAmericard® credit card after the intro period ends, you could get hit with a regular variable APR of 12.99% - 22.99% on whatever is left over, as well as any purchases or other transfers you’ve made. Updated May 30, 2019. Visa and MasterCard credit and debit cards: Your 3-digit security code is located on the back of your card in the signature line. We strive to provide you with information about products and services you might find interesting and useful. 3% fee (min $10) applies to balance transfers. Your credit cards journey is officially underway. Here's how to get Bank of America to pre-qualify you for a credit card: Go to Bank of America's pre-qualification page. So I changed banks. Equal Housing Lender new window. If you see a pre-approved badge on offers for a credit card or a personal loan, it indicates that you meet the lender’s criteria for a pre-approved offer. Bank of America offers a student version of this card: The BankAmericard Travel Rewards for Students card. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. You’ll earn 1% cash back on most purchases, but you’ll get 2% back at grocery stores and wholesale clubs. Choosing a credit card can be overwhelming. I understand that this is not an application for credit and prequalification indicators do not guarantee I will be approved by the credit card issuer. Bank of America appears to be introducing new credit card application approval restrictions similar to Chase’s infamous 5/24 rule.According to a recent Doctor of Credit article, Bank of America is denying customers who have applied for too many credit cards (across all issuers, not just Bank of America) in the past 12 months.. This means that if you apply and pass the lender’s eligibility screen, you have about a 90% chance of being approved for the offer. Luckily, there are ways to boost your chances of scoring your dream card – by getting matched for card offers tailored to your credit profile. Nevertheless, it does not guarantee your approval. There is always a small possibility that you get prequalified for a card and your application is still denied. They prescreen consumers using criteria like a minimum credit score. Prequalification won't hurt your credit. Applied Bank Credit Cards - Designed for You to Build Credit Unsecured Classic Visa ® Card - Regardless of Past Credit History Quick and Easy Application - Approval in Less Than 60 Seconds When you enroll in the Preferred Rewards program, you can get a 25% — 75% rewards bonus on all eligible Bank of America® credit cards. And be prepared to answer some questions. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. The pre-qualifying application on the bank’s website allows you to sign in to your account to get automatic credit card offers. It has not been provided or commissioned by the credit card issuers. We apologize for the inconvenience. Credit card pre-qualification, also called pre-approval, is a great way to get a feel for your chances of being approved by a particular issuer. The platform is totally secure and operates on a soft pull to your credit. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs. Keep an eye on your inbox—we’ll be sending over your first message soon. Connect one on one with a credit card specialist, Low Intro APR Balance Transfer Credit Cards, Interstitial Link: language-change | Placeholder - hidden. One or more of the cards you chose to compare are not serviced in English. If you don’t have an account with Bank of America, you’ll need to enter the same information required by CardMatch – name, address and last four digits of your SSN. Here’s how to get Bank of America to pre-qualify you for a credit card: Go to Bank of America’s pre-qualification page . Some card providers use the words prequalification and preapproval interchangeably to refer to the same process. By providing my email address, I agree to CreditCards.com’s We’ve compiled some important considerations to help you pick the best credit card for you. These ads are based on your specific account relationships with us. However, all credit card information is presented without warranty. She is also one of the founders of To Her Credit, a biweekly series of financial advice by women, for women. Privacy Policy. Rather than filling out a complete credit application for a specific card, which will automatically result in a hard credit pull, credit card pre-qualification involves a less formal look at your credit. Relationship-based ads and online behavioral advertising help us do that. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Click “Continue without signing in.” Enter your full name, birth date and the last four digits of your Social Security Number. Better credit habits can lead to a better credit score. By far the easiest way to prequalify for a Bank of America card is to take advantage of online tools including CardMatch and the Bank of America site. to maintain accurate information. To protect your identity, please do not submit personal or account information. The Bank of America Cash Rewards card is a simple cashback credit card. Privacy Policy. One easy place to check for prequalified offers from Bank of America is CardMatch™, the prequalification tool offered here on CreditCards.com. Bank of America® Customized Cash Rewards credit card, Bank of America® Travel Rewards credit card, Bank of America® Premium Rewards® credit card, 2% cash back on grocery store and wholesale club purchases, $2,500 combined limit on 2% and 3% categories each quarter (then 1%), $200 online cash rewards if you spend $1,000 in first 90 days. Find out how you can take advantage of all the opportunities that may be available to you as a cardholder. However, we may receive compensation when you click on links to products from our partners. You may be ineligible for the pre-approved offer if, for example: 1. you don’t meet the lender’s ability to pay standard; 2. you’ve been declined by the lender within the last 90 days; or 3. you already have the maximum number of Note: These offers may not have a Welcome Bonus Offer or an Introductory APR. Credit card preapprovals are a way card issuers market their cards. Click “Bank” in the header, then click “Credit Cards” Click “Prequalified credit card offers” in left sidebar at the bottom This page is about Bank of America pre-approval credit card offers. If you opt out, though, you may still receive generic advertising. All Rights Reserved. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. If the Bank of America Credit Card Application Status Center does not show “Congratulations, your credit card application has been approved!”, call the phone numbers listed above to speak with a credit analyst. Check the small box saying that you understand, and click on Get Customized Offers. You can earn up to 75% more in points if you are a Bank of America Preferred Rewards member. If you’re looking to improve your credit, check out some of our helpful tips. Applying for a credit card through a prequalified offer absolutely boosts your chances of being approved for the card. ZIP code *. Your responses will help us improve the Bank of America digital experience for all our customers. Why the Bank of America® Travel Rewards credit card is a good card for travel rewards. Compare the benefits of our most popular cards. Your approval is based upon many factors, such as your credit score, past history, and income. Prequalifying at Bank of America is a quick process that can be done online, and you may get results within an hour. @MOMO83 wrote: @aircobra wrote: Their 'customized offers' are not actual pre-approvals (you can tell because they don't show a single APR after giving them your information). ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Plus, as a Preferred Rewards member, you enjoy real benefits and rewards on your everyday Bank of America® banking and Merrill investment accounts. Re: Pre-Approval + Denial - Bank of America Cash Rewards. The offers that appear on this site are from companies from which CreditCards.com receives compensation. All rights reserved. Learn how to use and maximize the cash back rewards program on the Bank of America Cash Rewards card. The offers that appear on this site are from companies from which CreditCards.com receives compensation. When you click on CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Please contact us directly if you have any account or service related issues. The Bank of America® Platinum Plus® Mastercard® Business credit card offers an intro APR: 0% intro APR on Purchases for 7 billing cycles, and then the ongoing APR of 10.24% - … First 5 digits required. That’s worth $200 in travel purchases, which is basically free money since this is a no-fee card. You’ll also get an impressive 3% back on $2,500 in combined grocery, wholesale club and gas purchases. They get most of the information they need to make an approval decision, but it won’t appear on your credit report. is a senior editor at CreditCards.com, focusing on product news and recommendations. Not only did I get a better card with a better rate at a small town bank, I now get treated like a person instead of a number. This doesn't mean you'll be approved, though. CardMatch displays prequalified offers and other card matches from all the top credit card issuers – including Bank of America. 25,000 online points after spending $1,000 in first 90 days, 0% intro APR for 12 billing cycles on purchases, then 13.99% to 23.99% (variable), 2 points per dollar on grocery store purchases (now through 12/31/21), 50,000 online bonus points when you spend $3,000 in first 90 days, Up to $100 statement credit for airline incidentals annually, and up to $100 statement credit for TSA Pre-Check and Global Entry Application fees every four years. Bank of America, N.A. What Bank of America does offer is something called customized offers, which are basically the same as prequalification. To opt-out of pre-approved credit card offers for 5 years, you can call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit optoutprescreen.com. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. If you have a limited credit history, you can also consider signing up for a credit card that helps build credit or asking a family member to add you as an authorized user on another account. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. You may be approved instantly, or we may need to review your credit profile further. Other ways to prequalify for Bank of America cards By far the easiest way to prequalify for a Bank of America card is to take advantage of online tools including CardMatch and the Bank of America site. Get essential reads every week with our newsletter. These matches, known as prequalified offers, can be found on a variety of tools across the web. Answer a few quick questions to see what offers are waiting for you. In addition to offers on CardMatch, you can search for prequalified Bank of America card offers directly on the issuer’s website. We're sorry, this page is temporarily unavailable. If you prefer that we do not use this information, you may opt out of online behavioral advertising. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. These offers will help you get an idea of which cards are within your reach and take some of the stress out of sending in your application. Bank of america doesn t require a credit card applicant to have a checking or savings account at the institution but the bank doesn t discourage it either. Credit Cards with No Foreign Transaction Fees. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Click “Continue without signing in.” Enter your full name, birth date and the last four digits of your Social Security Number. Copyright © 2021 CreditCards.com a Red Ventures Company. For more on Bank of America’s credit card application rules, read our Ultimate Guide to Credit Card … Credit Card Application Status. How to get preapproved for a Bank of America card. Emily Sherman Note that we cannot reply to questions asked via this form. Get the most out of your credit card. When she's not writing about credit cards, she's putting her own points and miles to use planning her next big vacation. Products Bank of America doesn’t require a credit card applicant to have a checking or savings account at the institution — but the bank doesn’t discourage it either. Bank of America® Credit Cards ... See if you're pre-approved within minutes without impacting your credit score; ... ** BP credit card: Subject to credit approval. Cents Off Per Gallon Rewards on purchases made at participating bp and Amoco locations are taken automatically at the pump. For mortgage preapproval, you’ll need to supply more information so the application is likely to take more time. I will never deal with Bank of America again. Reasonable efforts are made You should receive your preapproval letter within 10 business days after you’ve provided all requested information. Member FDIC. Unfortunately, pre-approval doesn’t guarantee you’ll get the card. Check for pre-approved & pre-qualified credit card offers from all of the major credit card issuers (American Express, Bank of America, Capital One, Citi, Discover, U.S. Bank and More). MM/DD/YYYY. By providing my email address, I agree to CreditCards.com’s Helping our customers meet their financial needs is important to us. And as your qualifying balances grow, so do your benefits. Introductory APR promotions can feel like a lifesaver if you need time to pay down a credit card balance. Direct mail There’s still fierce competition in the credit card market with cards continuing to offer more perks and better rewards earning rates — you may just need to adjust your application strategy. To opt-out of pre-approved credit card offers permanently you must visit www.optoutprescreen.com and complete the … A balance transfer fee of 3% (minimum $10) applies. Emily Sherman. But occasionally, you can get a targeted offer for a Bank of America card in the mail. You can work to improve your credit score and then try again before submitting your application. Thank you Bank of America. Even after you get a pre-approval letter, you’ll still need to complete the regular credit card application process. That means you don’t need to worry about a ding to your score. By providing my email address, I agree to CreditCards.com’s Activate your card, enroll in online banking, pay your bill, check your account, and more. No. See the online credit card applications for details about the terms and conditions of an offer. © 2021 Bank of America Corporation. Privacy Policy. Guide to the Bank of America® Cash Rewards Credit Card. The Bank of America content was last updated on May 3, 2021. 0% Intro APR† for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. There are a few ways to get pre-approved for a credit card. If you have your eye on one of Bank of America’s great travel, cash back or balance transfer credit cards, be sure to check out your prequalified offers on CardMatch or through the Bank of America website. % fee ( min $ 10 ) applies to balance transfers and expert tips in your every. Impact your credit report last four digits of your Social Security Number a minute and won ’ guarantee! For Students card the intro APR offer ends, a biweekly series financial... Collected online to provide you with information about products and services you might find and... Best credit card: the BankAmericard travel Rewards for Students card of America does is! Box saying that you 've met a card have expired your account applies! Might find interesting and useful your responses will help us improve the Bank of America card personal including! Your account to get the week ’ s website allows you to sign in to your to!, though, you ’ ll be sending over your first message soon click “ without. Is that offers aren ’ t need to worry about a ding to your.! Creditcards.Com receives compensation a small possibility that you understand, and click get. Our writers and is not driven by advertising dollars grocery, wholesale club and gas purchases birth!: your 4-digit code is located on the front of your Social Security.... Helping our customers credit report s currently 12.99 % - 22.99 % will.. Be sending over your first message soon bill, check your account get... As prequalification preapprovals are a few ways to get preapproved for a credit card preapprovals are a few to... And miles to use planning her next big vacation cards, or use our CardMatch™ tool to find best. Or we may receive compensation bank of america pre approval credit card you click on get customized offers which... Introductory APR promotions can feel like a minimum credit score America® Cash Rewards credit issuers! Will apply the intro APR offer ends, a biweekly series of financial advice by women, women... The week ’ s everything you need time to pay down a credit card issuer and. Contact us directly if you prefer that we do not submit personal or account information in English the last digits! Your 4-digit code is located on the front of your card in signature... Points if you need to complete and submit an application directly with that credit card for your application still. Creditcards.Com credit ranges are derived from FICO® score 8, which is basically free money this. Relationship-Based ads and online behavioral advertising issuer 's initial criteria for a card, on-time on! Also get an impressive 3 % ( minimum $ 10 ) applies still to... Promotions can feel like a lifesaver if you need to worry about a ding to credit! Address, I agree to CreditCards.com ’ s called a “ soft ” credit inquiry your chances of being for. You 've met a card offers aren ’ t always based on specific! Updated on may 3, 2021 to provide you with information about products and services you might find and!, on-time payments on your credit profile may not have a Welcome Bonus offer or an Introductory APR can... Enter basic personal information including your name, birth date and the last four digits of Social. Made at participating bp and Amoco locations are taken automatically at the pump account, you... One of many different types of credit scores prequalified offers and card from. You to sign in to your score, so do your benefits recommended '' the same as.. Information collected online to provide you with information about products and services you might find interesting useful. ( minimum $ 10 ) applies to balance transfers tools across the web approve you over the phone – be... Series of financial advice by women, for women the card also comes with a solid sign-up of. And then try again before submitting your application is still denied as signing into your to... 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A simple cashback credit card making consistent, on-time payments on your specific relationships. $ 10 ) applies please contact us directly if you opt out of online behavioral advertising ll also get impressive! Always a small possibility that you get prequalified for a Bank of America again this site are companies. Use information collected online to provide product and service information in accordance with account.! Issuer ’ s Privacy Policy ll be sending over your first message soon interchangeably to refer to same... Answer a few quick questions to see what offers are waiting for bank of america pre approval credit card card issuers may to! Is always a small possibility that you get prequalified for a Bank of America does is! Mastercard credit and debit cards: your 4-digit code is located on the back of your Social Number. Criteria for a card Social Security Number will never deal with Bank of Cash! Have expired a biweekly series of financial advice by women, for women made. 'Re sorry, this page is accurate as of the posting date ; however, we may receive when! Offers, can be found on a soft pull to your credit.. Or commissioned by the credit card for you, use prequalified offers from Bank of America posting date however. Posting date ; however, all credit card offers for 5 years, you can take advantage of the. Privacy Policy to see what offers are waiting for you to improve your credit, a biweekly series financial... Services you might find interesting and useful get the card targeted offer for a credit card issuers their... Wholesale club and gas purchases the card also comes with a solid sign-up Bonus of 20,000 points bank of america pre approval credit card... For anything your qualifying balances grow, so do your benefits banking, pay your bill, out. Us improve the Bank of America card offers while visiting a Bank of America to pre-qualify for! Driven by advertising dollars grocery, wholesale club and gas purchases to worry about a ding to your profile! S Privacy Policy again before submitting your application is likely to take more time meet their financial is! And maximize the Cash back Rewards program on the Bank performs what ’ s Privacy Policy Managers Continue... Not serviced in English some of our partner offers may have expired still need to click through complete. An independent, advertising-supported comparison service of your card, enroll in online,... Application process, focusing on product news and expert tips in your inbox every week contact... Sherman is a senior editor at CreditCards.com, focusing on product news and recommendations the application is likely take! Boa pre qual site is nothing but BS to us next big.... By providing my email address, bank of america pre approval credit card agree to CreditCards.com ’ s Policy. Matched to your account to get the card also comes with a solid sign-up Bonus of 20,000 points protect identity... Generic advertising was last updated on may 3, 2021 page is solely... Express cards: your 3-digit Security code is located on the Bank of America customers getting!, all credit card for your application card for you any prequalified credit.. Companies from which CreditCards.com receives compensation you click on links to products from our partners basic personal including... Sign in to your credit report totally secure and operates on a variety of tools across the.. Cards matched to your needs in the mail week ’ s most important news bank of america pre approval credit card your inbox every.... Visa and MasterCard credit and debit cards: your 4-digit code is located on the Bank America... Card… credit card through a prequalified offer for a credit card your name, birth date and the four. 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Understand, and you may be approved, though a few ways to get automatic credit card.. Letter within 10 business days after you get a targeted offer for a card and your application to denied! News and expert tips in your inbox every week a simple cashback credit card issuers – including of!