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How to activate a Bank of America credit card

There are three ways you can activate your card.

Updated

To activate your Bank of America credit card, all you need is online access or a call with a Bank of America customer support representative. No matter which activation option you choose, you’ll be able to use your credit card immediately upon activation.

How to activate your Bank of America card online

To use this option, you must be enrolled in online banking. If you’re not, you can enroll using your Social Security number or Tax ID Number, and the last six digits of your card or bank account number. Once you signup, here’s how to activate your card:

  1. Go to the Bank of America website and log in to your online account
  2. Verify your identity and credit card
  3. Your credit card is now activated

How to activate your Bank of America card by phone

If you prefer calling a bank representative to assist you:

  1. Call 800-276-9939
  2. Say or enter your full account number
  3. Follow the prompts

How to activate your Bank of America card with a mobile app

Another option is to use the Bank of America mobile app.

  1. Download the app for iOS or Android
  2. Log in with the same information as your online banking account
  3. Find your new card under accounts and activate it

Compare Bank of America credit cards

Now that you have your new Bank of America credit card active, you can start using it. Down the line, you could consider applying for another card to increase your credit line or get additional perks. Also, pairing cards is an excellent way of maximizing credit card rewards. For example, if you now earn flat rewards on all purchases, your new card could earn some of the best rewards on groceries, gas or any other category where you spend most.

Name Product Filter values Rewards Purchase APR Annual fee
Bank of America® Premium Rewards® credit card
2x points on travel and dining and 1.5x points on all other purchases
15.99% to 22.99% variable
$95
Earn 2x points on travel and dining and 1.5x points on all other purchases.
Bank of America® Travel Rewards credit card
1.5x points on all purchases
0% intro for the first 12 statement closing dates (then 14.99% to 22.99% variable)
$0
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
Bank of America® Cash Rewards credit card
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
$0
Earn $200 after spending $1,000 in the first 90 days form account opening.
BankAmericard® Secured Credit Card
N/A
22.99% variable
$0
Helps establish, strengthen and even rebuild your credit.
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 combined quarterly, then 1% after that and on everything else
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
See terms
Earn a $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
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Bottom line

Activate your Bank of America credit card online, by phone or by using Bank of America’s mobile app. Consider adding one of the best secondary credit cards to your wallet to increase your credit limit, get additional perks or earn a new signup bonus.

If you have a new credit card from another brand, learn how to activate your card using our guide.

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