www.bankofamerica.com/credit-cards – Bank of America Credit card Apply

Credit Card

Bank of America Credit card Apply, login and activate:

“Bank of America” is the marketing name for the global banking and global markets business of Bank of America Corporation and is the second-largest bank holding organization by assets, in the United States. more than 30 million active users use the online banking system of this bank. The headquarters of this bank is situated in Charlotte, North Carolina.

Credit cards of Bank of America are available to people of all credit levels. Most of their credit cards offer rewards, 0% intro APRs, and/or no annual fees. So, you can choose them according to your need and can apply from their official website. Here is a complete guide to activate, login, and use your credit card.

Offers and Features of Bank of America Credit card:

  • Bank of America Cash Rewards credit card:
  1. When you get a cash rewards credit card offer of the Bank of America you can enjoy a $200 worth of online cash bonus.
  2. You can get 2% cash back at grocery stores and wholesale clubs.
  3. Get 3% cash back in your chosen category among gas, dining, online shopping, home improvement or furniture, drug stores, and travel.
  4. Get 1% cash back on all other purchases using the credit card.
  5. on your first 15 billing cycles on both balance transfers and purchases within 60 days since you opened your credit card account get 0% annual percentage rate (APR) or interest.
  • No Penalty APR:
  1. For 18 billing cycles for balance transfers and purchases made in the first 60 days since you opened an account, you can enjoy 0% intro APR.
  2. As it is a chip card that is contactless and you can use it with a tap it offers both security and convenience.
  3. Via online banking or mobile banking app, you can also access your FICO Score for free.
  • Bank of America Customized Cash Rewards credit card:
  1. “Customized Cash Rewards” gives 1% cash back on all purchases made using the credit card.
  2. On your chosen category among online shopping, gas, dining, travel, home improvement and furniture, or drug stores get 3% cashback.
  3. At grocery stores and wholesale clubs get 2% cashback.
  4. The members of Preferred Rewards may earn up to 75% rewards on every purchase.
  5. They will also have the option to change their chosen category and it can be simply done online – through Online Banking.
  • Travel Rewards:
  1. “Travel Rewards” comes with no annual fee.
  2. You will earn 1.5 points and the points for every $1.00 you spend on purchases that have no expiration date.
  3. Book your flights anywhere “with no blackout dates” and get statement credit towards dining and travel purchases.
  4. Earn up to 75% more points on transactions.
  • Premium Rewards:
  1. You can get up to $200.00 if you will get Premium Rewards together with the Airline Incidental and TSA Pre Global Entry Statement Credits.
  2. You will get two (2) points for every $1.00 spent on dining and travel purchases using your credit card.
  3. The cardholder gets 50,000 online bonus points worth $500.00.
  • Bank of America Students credit card:

Bank of America has also introduced credit cards with unlimited cashback for students.

Apply Bank of America Credit card:

Apply for your Bank of America credit card by following just a few simple steps given below.

  • You have to visit the official website of Bank of America credit card first www.bankofamerica.com/credit-cards
  • Select among the credit cards available and read their features and benefits according to your need.
  • Then click on Apply now button just present on the right side of the card you want.

bank of america credit card apply

  • You will be redirected to a new page.
  • Fill up the form with the correct personal details required in the fields given.
  • Provide accurate information about your employment and financial status.
  • After submitting the bank will review the form.
  • You will get reply within 60 sec.

Eligibility Criteria for Applying Bank of America Credit card:

If you want to apply for Bank of America credit card then you must satisfy these following criteria.

  • Applicants need to be at least 18 years old to get any of these cards.
  • You have to be an American resident.
  • You have to prove that you earn by providing a computer-generated copy of your pay slip.

Also Read: Lowes Credit Card Login

Interest rates:

  • Bank of America® credit card and Bank of America® Credit Card for Students:
  1. 99% – 22.99% Variable regular APR.
  2. Intro APR of 0% for 18 billing cycles on purchases and 0% for 18 billing cycles for any balance transfers made in the first 60 days.
  3. 3% (min $10) balance transfer fee.
  • Bank of America® Customized Cash Rewards credit card and Bank of America® Customized Cash Rewards Credit Card for Students:
  1. 99% – 23.99% Variable regular APR.
  2. Intro APR of 0% for 15 billing cycles on purchases and 0% for 15 billing cycles for any balance transfers made in the first 60 days.
  3. 3% (min $10) balance transfer fee.
  • Bank of America® Travel Rewards Credit Card for Students and Bank of America® Travel Rewards credit card:
  • 99% – 23.99% (V) regular APR.
  • Intro APR of 0% for 15 months on purchases.
  • Bank of America® Premium Rewards® credit card:
  1. 99% – 22.99% Variable regular APR.
  2. No intro APR.
  • Bank of America® Secured Credit Card:
  1. 99% (V) regular APR.
  2. No intro APR.

Bank of America Credit Card Activation:

  • Online method

If you want to activate your bank of America credit card through online method then you must log in to your online account first. If you don’t have an online account yet then click on the enroll option in the activation page to create an online account then follow these steps to activate your card.

  1. Visit the activation page of Bank of America credit card secure.bankofamerica.com/administer-accounts/public/card/activate.go?type=credit&channel=desktop
  2. Provider your user id and password in the given field.
  3. Sign in to your account.
  4. Then you have to verify your personal information (e.g., Social Security number).
  5. Activate it.
  • By phone

You can call the Bank of America customer support executive to activate your card. the process shouldn’t take more than a few minutes and you’ll be able to use your credit card immediately upon activation.

  1. Call 800-276-9939
  2. You have to Say or enter your full account number.
  3. You need to follow the prompts provided on call.
  • Through mobile app

You can activate your card through your mobile app.

  1. You have to download the Bank of America mobile application in your android.
  2. Provide your user id and password.
  3. Log in to your account.
  4. Under accounts option find your new card.
  5. Activate it.

Create online account in Bank of America credit card:

If you want to activate and get access to your card then you have to enroll in an online account of Bank of America. Follow the mentioned steps to create a new one.

Benefits of Online Banking:

  • You can easily view your statements online.
  • Your every single transaction can be tracked.
  • Online credit card bill payment.
  • Alert receive on your mobile phone or email.
  • You can check balance and account activity anywhere, anytime from your smartphone or laptop.

Bank of America Credit card Log In:

If you want to login to your online account of bank of America credit card then follow these steps mentioned below.

Recover Password for bank of America credit card:

If you have forgotten the user id or password then don’t need to worry. You can get your access to your online account again through following these simple steps.

  • Visit the official login page of Bank of America credit card secure.bankofamerica.com/login/sign-in/signOnV2Screen
  • Click on forgot your Password? option.
  • You have to provide some basic informations like last 6 digits of card or account number and social security number or tax id number.
  • Then click on continue button.
  • They will send you mail with a link to change your password.
  • Reset your password within the given time and get access to your account.

Bank of America Credit card bill payment:

You can make your bill payments through online banking, mobile app, on call or through mail also.

  • Online bill payment:
  1. First you have to visit the login page of Bank of America Credit card secure.bankofamerica.com/login/sign-in/signOnV2Screen
  2. Then provide your user id and password.
  3. Click on the sign in button.
  4. Once you have logged in to your account click on the bill pay option.
  5. Then you have to choose how much you have to pay.
  6. Then select when you want to pay.
  7. Add a person or company you want to pay.
  8. Click on make payments.
  • Through Mobile app:
  1. Open the app in your android.
  2. Login to your account using user id and password.
  3. You have to select your card.
  4. Click on make a payment option.
  • Payment through mail:

If you want to make your payment through mail then you can send a check or money order (but not cash) to Consumer card payments / PO Box 15019/ Wilmington, DE 19850-5019. Make sure to write your credit card number on the check.

You have to send it early enough that it will arrive by the due date.

  • Call In payment:

You can Call 1-800-236-6497 and enter your card information when prompted.

  • Payment at branch:

You can easily make your payment through visiting any Bank of America branch during normal business hours.

Bank of America Credit Card complete guide:

After activating your Bank of America credit card, you can do these things to maximize rewards and optimize your credit card.

  • You have to download the Bank of America mobile app which will simplify your account management. You can monitor your account, make payments, activate your offers or contact support with the help of this app.
  • A host of digital wallets, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay are supported by Bank of America credit cards. This can help you pay inside the store by using your phone or a smartwatch.
  • Enroll in online banking using your card’s last six digits and your SSN or TIN and monitor your cards, activate autopay, redeem rewards and more.
  • Activate your Virtual credit card offered by Capital One. This will keep your real card information hidden and secure. add the Eno from Capital One extension from your browser and use it during online shopping.
  • PIN Setup: Visit a Bank of America branch or call 800-432-1000 for setting up your PIN. This will be needed for ATM cash withdrawals and when using the card abroad.
  • Autopay Setup: Set up automatic payments either online or through your Bank of America mobile app. you must enroll in eBills through the Bill Pay tab.
  • Get a rewards credit card to maximize your rewards.

Lock and unlock Bank of America Credit card:

When you realize that you have lost your credit card then don’t worry because the bank of America is here to ease this pain a little by allowing you to lock your card from their app. They will ensure that it can’t be used if someone picks it up. And you can unlock it just as easily when you will find it. Follow some simple steps given below to lock and unlock your card.

  1. First in your android phone open the Bank of America app.
  2. You have to sign in to your account using your login Id and password.
  3. Click on the sign in button.
  4. Then click on the menu tab provided in the lower right-hand corner.
  5. Then you have to select ‘manage debit card settings’ option.
  6. Then you have to look for the card you want to lock.
  7. You have to confirm that the last four digits and name on the card graphic match the card you’d like to lock.
  8. Click on the lock your card option present below your virtual card.
  9. Then a confirmation page will appear where you can read what you can and can’t do with a locked card.
  10. And when you want to unlock your card just tap on the green lock card switch to unlock it again.
  11. A confirmation message will appear that your card has been unlocked and ready to use.

Customer Support:

For further queries.

  • Credit card customer service
  • (Including lost or stolen card): Call @800.732.9194
  • Credit card activation: Call @800.276.9939
  • Credit card billing inquiries: Call @866.266.0212
  • Calls accepted only when made through relay services (dial 711)

 

You can also write to them in the following addresses for any queries,

  • Credit card payments

Bank of America

PO Box 15019

Wilmington, DE 19886-5019

  • Application status inquiries

Bank of America

PO Box 2493

Norfolk, VA 23501-2493

  • Express overnight service

Payment Services

900 Samoset Drive

DE5-023-03-02

Newark, DE 19713-6000

  • Credit card billing inquiries

Bank of America

PO Box 982234

El Paso, TX 79998-2234

  • Questions about card types

Bank of America

PO Box 53132

Phoenix, AZ 85027-3132

Reference:

www.bankofamerica.com/credit-cards


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