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How to prequalify for Bank of America credit cards
This prequalification tool shows you customized card offers.
Bank of America’s prequalification tool can be helpful if you’re unsure which product is right for you.
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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.
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?
- Navigate to Bank of America’s page for customized credit card offers.
- 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.
- Submit your application.
Bank of America’s prequalification will show you cards you might like, and it’ll give you a better sense of your approval odds.
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