How to increase your Bank of America credit limit

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 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.

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.

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees	Compare	loading Fetching your data...
Chase Freedom Unlimited®			5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Compare	loading Fetching your data...

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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.

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.

Frequently asked questions

• Can requesting a credit limit increase affect my credit score?

  Bank of America claims to have stopped making a hard pull on your account for requesting a credit line increase. But if you’re approved, it can positively affect your credit score as it lowers your utilization rate across all cards.

• Can I reallocate credit limit between my Bank of America credit cards?

  Yes, you can move your credit limit from one card to another, but you will still have the same available credit line overall.

• If approved for a credit limit increase, when will I receive it?

  Typically, you’ll get your credit line increase as soon as you are approved.