Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
How to request a Bank of America credit card product change
Switch your credit card without a hard pull on your credit.
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.
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
If you’ve changed your mind about your credit card, consider a product change to another Bank of America credit card.
Frequently asked questions
More guides on Finder
Zeta Joint Card review
Zeta Joint Cards allow two people to share one account, but there are several drawbacks.
Mutual fund expense ratios: How they work and why they matter
These pesky fees can eat into your bottom line: here’s how to identify them.
Does a car loan affect your mortgage application?
Find out how to increase your borrowing power and get approved for a mortgage even if you have a car loan.
AARP Travel Rewards Mastercard from Barclays review
A strong travel cashback card with no annual fee.
Honeydue Joint Banking review
This bank account and prepaid card combo gives you and your honey a convenient way to manage finances together.
Ando Spending Account review
Reduce your carbon emissions and enjoy no monthly fees with this ethical checking account.
Oxygen personal bank account
Access your cash from any network ATM and earn cashback on your debit card purchases from approved retailers.
Grifin is a new app that automatically buys stocks at companies you buy from.
AARP Essential Rewards Mastercard from Barclays review
A solid rewards card with a few particular strengths that make it stand out.
First Internet Bank Interest Checking account review
First Internet Bank is an online-only bank with flexible access to your money.
Ask an Expert