Can you cancel a Bank of America card without calling?
Compare Bank of America Credit Cards

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

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money.

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.

Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
12.74%, 16.74% or 20.74% variable
0% for the first 18 months from account opening (then 12.74%, 16.74% or 20.74% variable)
$0
An 18-month 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
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
24.74% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
23.9% variable
$75 annual fee for the first year ($99 thereafter)
With this card you get a 23.9% Variable APR.
19.74% to 25.74% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
$0
Earn more cash back for the things you buy most.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
16.74% to 24.74% variable
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our and .

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site