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How to prequalify for Bank of America credit cards

This prequalification tool shows you customized card offers.

Updated

Fact checked

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

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.

Bank of America customized Credit Card page

See if you prequalify for Bank of America cards

CardMatch™ from creditcards.com

  • Find card offers you are more likely to qualify for without impacting your credit score.
  • Save time by comparing matched offers from multiple partner banks.
  • You may be matched to special offers based on your credit profile.
  • See your matched offers in less than 60 seconds.
  • Get matched to the card feature that's right for you. Find cards with low interest, cash back, balance transfers, and travel rewards.
  • Users may not be matched with all offers or banks. Matches are based on a user's credit profile. See the CardMatch terms and conditions for more details.
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See Rates & Fees

Compare Bank of America credit cards

Data indicated here is updated regularly
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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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.

What does prequalification mean?

A bank will perform a soft pull on your credit to prequalify you. Based on the results, it may present products that could be a good fit.

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.

Soft pull vs. hard pull

A soft pull is when a provider looks at your credit to see if you might qualify as a customer. This does not affect your credit score.

When a bank makes a lending decision after your credit application, it’ll initiate a hard pull, which will lower your credit temporarily.

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

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