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How to prequalify for Bank of America credit cards
Find out whether you qualify for the Bank of America card you want.
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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.
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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.
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