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.

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.

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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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	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 14.99% to 22.99% 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 15 statement closing dates (then 13.99% to 23.99% variable)	$0	View details	Earn $200 after spending $1,000 in the first 90 days form account opening.	Compare	loading Fetching your data...
BankAmericard® Secured Credit Card			N/A	22.99% variable	$0	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 $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	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...
CardMatch™ from creditcards.com			See terms	See issuer's website	See terms	See offer View details	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	Compare	loading Fetching your data...

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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.

Not set on Bank of America? Take our quiz to find your next 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.

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.