Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
How to prequalify for Bank of America credit cards
Find out whether you qualify for the Bank of America card you want.
Bank of America lets you see your chances of credit card approval with a soft pull on your credit. This is known as prequalification and it doesn’t affect your credit score. However, even if you prequalify for a certain credit card, there’s no guarantee that your application will be approved.
Here’s how to prequalify for a Bank of America credit card:
- Navigate to Bank of America’s prequalification page.
- If you have a Bank of America account, click Sign in. Otherwise, click Continue without signing in.
- Complete the form with information such as your name, birth date and Social Security number.
- Choose the card you’re interest in.
- Submit your application.
How to prequalify by yourself
Before you apply for a Bank of America credit card, check your credit score. For those with a good credit score of 670 or higher, most Bank of America credit cards are within reach.
Those who have a poor credit score could apply for a secured credit card. Bank of America offers some of the best credit-building options you can currently get. Students with no credit score, don’t have to worry about qualifying for a solid credit card, because Bank of America offers excellent cards for students. Once you improve your credit score, Bank of America will either upgrade your card to the non-secured and non-student versions of the same cards, or you can apply for another card by yourself.
Can I get preapproved for a Band of America credit card?
No. Bank of America doesn’t offer credit card preapproval. What Bank of America does offer is something called customized offers, which are basically the same as prequalification.
Some card providers use the words prequalification and preapproval interchangeably to refer to the same process. But some card providers use preapproval if the provider initiated the soft pull and prequalification if the card applicant initiated the soft pul. What both have in common is that you can only see your chances of approval for all or select credit cards, but they don’t guarantee approval.
What are the benefits of a Bank of America prequalification?
- Better approval odds. Prequalification allows you to see cards you’re more likely to qualify for, though nothing’s guaranteed.
- No obligation. You can still look for cards with other providers as some other banks offer prequalification.
- No effect on your credit score. Because the bank uses a soft pull, you can protect your credit before applying for a card.
Does prequalification include MLB cards and partner airline cards like Alaska Airlines?
Yes, prequalification includes all credit cards that fall under the category you select under What kind of credit card are you interested in on the Bank of America prequalification page.
Compare Bank of America credit cards
Bottom line
Bank of America’s prequalification will show you cards you might like, and it’ll give you a better sense of your approval odds.
If you’re not sure a Bank of America card is right for you, consider getting products from providers that prequalify such as Citi, Chase, American Express and Discover.
More guides on Finder
-
Rocket Mortgage vs. Bank of America
Bank of America has more loan options, but Rocket Mortgage has left a better overall impression on customers. We compare the key features between these two established lenders.
-
Citibank business loans review
This international bank offers term loans as low as $5,000 to business banking customers. But it’s not upfront about costs.
-
Your business loan results
Get matched with a business lender using our quiz. Funding options from $500 to $5 million.
-
Extra debit card review
The Extra debit card offers rewards and can build your credit score, but is it legit?
-
Compare working capital loans
Help cover your business’s day-to-day costs with a working capital loan.
-
Get a business line of credit
A business line of credit provides flexible financing for ongoing and one-time expenses.
-
Online store credit cards with guaranteed approval
It’s easy to qualify for these online store cards.
-
TD Double Up℠ Credit Card review
A strong 2% cashback card for TD Bank customers.
-
Regions Bank home equity review
Offers both home equity loans and HELOCs, but it’s only available in select states.
-
EQIBank Global Secured Credit Card review
An elite borderless prepaid card for high-net-worth individuals and businesses.
Ask an Expert