How to prequalify for Bank of America credit cards

Bank of America’s prequalification tool can be helpful if you’re unsure which product is right for you.

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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	18.24% to 25.24% variable	$95	View details	Earn 2x points on travel and dining and 1.5x points on all other purchases.	Compare	loading Fetching your data...
Bank of America® Travel Rewards credit card			1.5x points on all purchases	0% intro for the first 12 statement closing dates (then 17.24% to 25.24% variable)	$0	View details	Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.	Compare	loading Fetching your data...
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 12 statement closing dates (then 16.24% to 26.24% variable)	$0	View details	Earn $200 after spending $1,000 in the first 90 days form account opening.	Compare	loading Fetching your data...
BankAmericard® Credit Card			N/A	0% intro for the first 15 statement closing dates (then 15.24% to 25.24% variable)	$0	View details	Enjoy a 0% intro balance transfer APR for the first 15 statement closing dates, then variable.	Compare	loading Fetching your data...
BankAmericard® Secured Credit Card			N/A	22.49% variable	$39	View details	Helps establish, strengthen and even rebuild your credit.	Compare	loading Fetching your data...
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 $ combined quarterly, then 1% after that and on everything else	0% intro for the first 12 statement closing dates (then 15.49% to 25.49% variable)	See terms	View details	Earn a $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.	Compare	loading Fetching your data...
Royal Caribbean® Visa Signature® Credit Card			2x points on Royal Caribbean and 1x points on all other purchases	17.24% to 25.24% variable	$0	View details	Get 10,000 MyCruise® points after making a purchase within 90 days of account opening - enough for a $100 onboard credit.	Compare	loading Fetching your data...
Asiana Visa Signature® Credit Card			3x miles on Asiana Airlines, 2x miles at gas and at grocery stores and 1x miles on all other purchases	17.24% to 25.24% variable	$99	View details	30,000 bonus miles after you make $3,000 or more in purchases within the first 90 days of account opening.	Compare	loading Fetching your data...
Alaska Airlines Visa Signature® Card			3x miles on Alaska Airlines purchases and 1x miles on all other purchases	17.24% to 25.24% variable	$75	View details	40,000 bonus miles after you make $2,000 or more in purchases within the first 90 days of account opening.	Compare	loading Fetching your data...
Virgin Atlantic World Elite Mastercard®			3x miles on Virgin Atlantic and 1.5x miles on all other purchases	17.24% to 25.24% variable	$90	View details	Earn 30,000 bonus miles after spending $1,000 in the first 90 days.	Compare	loading Fetching your data...
MLB® Credit Card			3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, then 1% after that and on everything else	0% intro for the first 15 statement closing dates (then 15.99% to 25.99% variable)	$0	View details	1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter.	Compare	loading Fetching your data...
Spirit Airlines World Mastercard®			2x miles on all purchases	17.24% to 25.24% variable	$0 intro annual fee for the first year ($59 thereafter)	View details	15,000 bonus miles after your first purchase. Earn another 15,000 bonus miles after making at least in purchases within days of account opening.	Compare	loading Fetching your data...
Norwegian Cruise Line® World Mastercard®			3x points on Norwegian and 1x points on all other purchases	16.99% to 24.99% variable	$0	View details	Get 10,000 bonus WorldPoints® reward points after you make a transaction in the first 90 days.	Compare	loading Fetching your data...
Allegiant World Mastercard® Credit Card			3x points on Allegiant air, hotel, car rental and attractions, 2 points on dining and 1x points on all other purchases	17.24% to 25.24% variable	$59	View details	Earn 15,000 points after spending $1,000 on purchases in the first 90 days from account opening.	Compare	loading Fetching your data...
World Wildlife Fund Credit Card			3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 combined each quarter, then 1% after that and on everything else	0% intro for the first 12 statement closing dates (then 16.24% to 26.24% variable)	$0	View details	Earn $200 after spending $1,000 in the first 90 days.	Compare	loading Fetching your data...
Amtrak Guest Rewards® World Mastercard®			3x points on Amtrak, 2x points on other travel and 1x points on all other purchases	17.24% to 25.24% variable	$79	View details	Get 20,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening.	Compare	loading Fetching your data...
Susan G. Komen® Cash Rewards Visa®			3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 in quarterly combined purchases, then 1% after that and on everything else	0% intro for the first 15 billing cycles (then 15.99% to 25.99% variable)	$0	View details	Earn 2% cash back at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter. After that and on everything else earn 1% cash back.	Compare	loading Fetching your data...
Business Advantage Cash Rewards Mastercard® credit card			% cash back on a chosen business category and 2% on dining on up to $50,000 combined each year, then 1% after that and on all other purchases	0% intro for the first 9 billing cycles (then 13.49% to 23.49% variable)	$0	View details	$ statement credit bonus after spending $3,000 on purchases in the first 90 days of your account opening.	Compare	loading Fetching your data...

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What does prequalification mean?

Prequalification doesn’t guarantee approval. The bank will initiate a hard pull on your credit when you apply for the card. It may deny your application if your credit profile is insufficient.

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.

How do I get prequalified for a Bank of America credit card?

1. Navigate to Bank of America’s page for customized credit card offers.
2. If you have a Bank of America account, click Sign in. Otherwise, click Continue without signing in.
3. Complete the form with information such as your name, birth date and Social Security number.
4. Submit your application.

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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.

Frequently asked questions

• What cards will I find with Bank of America?

  Bank of America offers more than 20 credit cards. Its flagship cards include the Bank of America® Cash Rewards credit card and Bank of America® Travel Rewards credit card.

  You’ll find a handful of airline cards, cobranded travel cards and cobranded products similar to the Bank of America® Cash Rewards credit card. The bank also offers a secured and college product.

• Will I find signup bonuses with Bank of America cards?

  Most Bank of America cards have signup bonuses. Products such as the BankAmericard® Credit Card and BankAmericard® Secured Credit Card don’t offer signup bonuses.

• Do Bank of America credit cards offer rewards?

  Most Bank of America products offer rewards. Cards such as the BankAmericard® Credit Card and BankAmericard® Secured Credit Card don’t offer rewards.

Kevin Joey Chen

Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and travel the world like a pro. He's taken an extended trip around Europe as a digital nomad, gaining firsthand experience with exchange rates, ideal (and not-so-ideal) credit and debit cards, foreign transactions and budgeting strategies. He earned his BA from UC Davis and has written across many niches at Finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers.