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How to increase your Bank of America credit limit

Use your card responsibly to increase your purchasing power.

Having a high credit limit can positively affect your credit score and can increase your spending power. Unfortunately, you can’t request a specific credit line amount when you apply for a new card. But if the amount you receive isn’t enough, you could consider requesting an increase after a few months of responsible credit card use.

How can I find out my Bank of America credit limit?

Log in to your online banking account and look for the account summary section. This is where you’ll often find the credit limit amount. If you don’t have an online banking account, or if it seems like a hassle, check your monthly credit card statement or call customer service.

How do I know if I’m eligible for a credit limit increase?

Unlike other credit card issuers, Bank of America doesn’t openly list any eligibility criteria. But as a rule of thumb, you need to have:

  • A credit card account at least six months old.
  • An unsecured credit card.
  • Not received a credit line increase in the last six months.
  • Paid your balance in full each month.

Keep in mind, it doesn’t necessarily mean you’ll get a credit limit increase even if you meet these criteria.

How to increase my Bank of America credit limit

If you meet the eligibility criteria, there are four options to increase your credit limit.

  1. Submit your request online
  2. Call the bank
  3. Get an automatic credit limit increase
  4. Apply for another card

In most cases, you may need to provide information, including annual income, employment, a reason for the request, your monthly credit card spend and mortgage or rent payment.

Submit your request online

If you do most of your banking online, you can easily request a credit limit increase.

  • Log in to your Bank of America online banking account.
  • Select the credit card account and then go to Information & services.
  • Fill out the request form.
  • Review and submit.

Call the bank

If you don’t have an online banking account, here’s what to do:

  • Call Bank of America on the number on the back of your card or call 800-732-9194.
  • Request your credit limit increase.
  • Provide the necessary information.

When will I receive the credit limit increase?

Typically, you get a credit line increase as soon as you make the request. In some cases, it may take a few days if the bank needs additional information.

Get an automatic credit limit increase

This is probably the easiest way to get a credit line increase, but you have to do your homework first. This means you need to:

  • Use your card regularly. Charge as many purchases on your card as possible.
  • Use a higher amount of your credit line. Show Bank of America that you could really use a credit limit increase by using most of your available credit.
  • Pay your balance on time. Try to do this in full before your due date.

Apply for another card

If increasing your card’s credit limit seems like an impossible mission, don’t despair. You can apply for another credit card and enjoy additional benefits like a 0% intro APR period, no annual fee, a signup bonus, a rewards program or a combination of all these perks.

Compare cards with higher credit limit

The cards in the table below often come with a generous credit line. Note, we can’t guarantee you’ll get a high credit line as it mostly depends on factors, including your annual fee, employment and creditworthiness.

1 - 3 of 10
Name Product Filter values Rewards Purchase APR Annual fee
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
17.24% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Chase Freedom Unlimited®
4.5% on dining at restaurants, including takeout and eligible delivery services, 4.5% on drugstore purchases, 6.5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases
0% intro for the first 15 months (then 17.24% to 25.99% variable)
This solid 1.5% cashback card gets even better with the addition of up to 6.5% back in categories like travel, drug stores and dining.
Capital One VentureOne Rewards for Good Credit
Capital One VentureOne Rewards for Good Credit
1.25x miles on every purchase, every day and 5x miles on hotels and rental cars booked through Capital One Travel
26.99% variable
The same rewards and $0 annual fee as the Capital One VentureOne Rewards Credit Card, but for those with good credit.

Compare up to 4 providers

How is my Bank of America credit limit determined?

Every financial institution has its own criteria for determining the amount of credit line you receive. But in general, the following factors are taken into consideration:

  • Annual income.
    A higher annual income shows you’ll be able to pay your balance.
  • Employment.
    Having a steady job and income shows you can be a responsible cardholder.
  • Creditworthiness.
    High credit score and a clean credit history prove you can pay off your debt on time.
  • Relationship with Bank of America.
    Loyalty can sometimes be rewarded with a higher credit line.
  • The type of card you apply for.
    Apply for high-end credit cards such as Visa Signature or Mastercard World Elite to get a high credit limit.

How often will Bank of America increase your credit limit?

Bank of America doesn’t provide this information on their website but judging by the practice employed by all other card providers, credit limit increases are made once every six months.

Bottom line

If you need to increase your purchasing power, call Bank of America or request a credit limit increase online. But before you make the request, make sure to use your card actively and pay off your entire balance on time for at least six consecutive months.

If that doesn’t seem like an option for you, consider applying for a credit card to increase your credit line.

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