How to cancel a Bank of America card in 5 minutes |

Can you cancel a Bank of America credit card without calling?

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So you want to cancel your Bank of America credit card, but you don’t want to call in?

That’s perfectly understandable. There’s a reason banks prefer you call to cancel — oftentimes, it’s so a representative can try to convince you to stay. This can be an annoying exercise: You may have to repeatedly decline the rep’s offers and reiterate that you want to cancel.

Before trying to cancel your Bank of America credit card, prepare by reading our guide to canceling your credit card.

Can you cancel your Bank of America credit card without calling?

Unfortunately, you can’t cancel your Bank of America credit card through your Online Banking Message Center. If you look for an online-message option, you’re continually led to one contact method: a phone number.

You can try sending Bank of America a message through its Facebook page. However, canceling this way is hit or miss. Customers also say Bank of America chat support tends to be slow to respond.

For phone-based credit card support, the number to dial is 800-732-9194.

What to expect when you call to cancel your card

Before you call, know why you’re trying to cancel. Are you 100% certain you want to cancel your card? Or are you simply unhappy about some aspect of your card and want to see if you can get it changed?

It’s good to know your reason for calling, because one of two things typically happen when you call to cancel your card:

  • The representative cancels your card, no questions asked.
  • More likely, the representative tries to convince you to keep your credit card open. They may even forward you to the bank’s customer retention division for more persuading.

Have a game plan

Before your call, know whether you’ll change your mind if the rep offers enticing perks. For example, would you be willing to stay for a lower interest rate?

On the other hand, perks may not solve the core problem behind why you wanted to cancel your card in the first place. If you’re deep in debt and need to close your card to avoid spending more, consider saying no to any enticement the rep throws your way.

Above all: If you’re set on canceling your card, be ready to say no several times.

Will canceling my Bank of America credit card affect my credit score?

Sometimes canceling your credit card is the best decision for your financial health. But canceling a credit card with a high spending limit can hurt your credit score. Credit bureaus determine your creditworthiness by looking at many factors like payment history and the age of your credit. But they also look at how much credit is available to you compared to how much you’re using — know as credit utilization ratio.

The lower the ratio, the less the risk. Credit bureaus like to see your credit utilization ratio at 30% or below, and closing a card with a high spending limit and a zero balance can hurt your score. For more information visit our guide on how credit utilization affects your credit score.

After you’ve canceled your credit card over the phone

After the phone call’s finished, send a written letter to Bank of America with your cancellation request. Include your credit card number and account number.

Send your signed letter to:

Bank of America
PO Box 982234
El Paso, TX 79998-2234

For more steps to take after your phone call, read our guide to canceling your credit card.

Looking for a new card?

Just because you’re unhappy with your Bank of America credit card, it doesn’t mean you don’t need or want a credit card. If you’re looking for a replacement credit card, the chart below can help you sort through and compare cards. Try clicking on the Compare buttons to see a side-by-side comparison of up to four cards.
Should I get a credit card from my bank or a different one?

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% variable
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
0% intro for the first 18 months (then 12.99% to 20.99% variable)
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 25.99% variable)
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from
CardMatch™ from
See terms
See issuer's website
See terms
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