How to request a Bank of America credit card product change

Bank of America is a rare providers that lets you request a different credit card in place of an unwanted card — even with different rewards programs. If a new card with better perks or rewards comes along, you can change cards without taking a hit to your credit.

Bank of America product change: How to request one

Call the number on the back of your card and ask if you’re eligible for a product change to a credit card you want. Wait for the customer service representative to review your account. If you’re eligible, you can complete the process over the phone.

Eligibility requirements

To change your credit card, you have to be eligible first. Here’s what Bank of America considers:

• Credit card type Bank of America doesn’t restrict credit card changes, meaning you can switch from a travel to a cashback card.
• Annual fee If your current card has no annual fee, you can’t product change to a card with an annual fee during your first year of card membership. But you can change to a card with a lower or no annual fee.
• Account standing. Pay your balance in full before the due date if you’re considering a product change.

Why you might want a Bank of America product change

The reasons for making a product change could be to:

• Keep your credit card age. With a product change, you get to keep your credit card age and can get a better credit card. The length of your credit history contributes 15% to your overall credit score. Closing an older account will shorten your history and this could negatively affect your credit score.
• Earn better rewards. A product change allows you to get the credit card you want without applying for a new one. For example, you could exchange your travel credit card for a card that gets you cash back on gas.
• Avoid a hard pull on your credit. A product change doesn’t require a hard pull on your credit.
• Avoid an annual fee. If you don’t want to pay an annual fee and you can’t get it waived, consider product change to a card with no annual fee.

Should you close your old Bank of America credit card?

No. Your credit card account remains the same. But don’t forget to destroy your credit card or return it to a Bank of America branch for disposal.

Compare Bank of America cards

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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 15 billing cycles (then 13.99% to 23.99% 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® Customized Cash Rewards			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 billing cycles (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...

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Bottom line

If you’ve changed your mind about your credit card, consider a product change to another Bank of America credit card.

Compare Bank of America credit cards to find a card you would like to get or compare other credit cards if you want a credit card from another provider.

Frequently asked questions

• Does a Bank of America product change affect my credit score?

  No. A credit card product change won’t affect your credit score unless there are changes to your credit limit.

• Can I earn a signup bonus with a premium card and then downgrade my card?

  It is possible, yes. But it’s not recommended as your account can be flagged or even suspended.

• Do I get to earn the signup bonus from the new card I change to?

  It depends. If you recently earned a signup bonus with your old card, you likely won’t be eligible to earn the signup bonus of your new credit card. But if you have an older credit card that’s not offered anymore, you’ll likely be eligible for the new signup bonus.