(2 Quick Ways) – Check Your “Bank of America” Credit Card Status

credit card advice

Mike Randall
By: Mike Randall
Posted: December 21, 2016
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Bank of America is one of the top credit card issuers in the U.S., with more than 80 million cards in circulation and nearly $300 billion in annual purchases. That means almost 1 in 8 credit cards in the U.S. is issued by the Charlotte, North Carolina, banking giant, and millions of American consumers rely on Bank of America for their credit purchases every day.

If you’ve recently applied for a Bank of America credit card and are waiting to hear whether you’ve been approved, we’ve got a couple of quick ways you can check the status of your application.

Online Status | By Phone | Denied? Top 10 Alternatives

1. See Your Application Status Online

The easiest way to view the status of your Bank of America credit card application is to check it online. A simple click of your mouse will take you to the Application Status Center webpage, where you can view and manage all of your applications in one convenient place.

To request the status using this secure webpage form, you will be asked to provide:

  • Your last name
  • The last 4 digits of your Social Security number
  • Your date of birth
  • The zip code as it appears on your application

Finally, answer a simple math question such as the difference of 4 – 3, and click Submit. It’s as easy as that. You can then view the current status of all credit card applications you’ve made.

2. Call the Approval Status Phone Number

Of course, if you prefer to check your status when you’re on the go, the Bank of America credit card approval hotline is always available. You can quickly and easily access the status of your personal and business credit card application by dialing one of these convenient toll-free numbers.

For personal and secured credit cards, call 800-545-7899 and press 3. To check the status of a business credit card application, call 866-695-6598.

If You’ve Been Denied, Here Are Some Other Options

If you find that your application for a Bank of America credit card has been denied, don’t worry. As a somewhat conservative institution, Bank of America is known to turn down folks who get approved elsewhere. That includes people with good credit, those with no credit, and those whose scores might fall on other parts of the credit scale.

Here are some of our top alternatives if Bank of America has denied your credit card application:

Good Credit (700+) | Fair Credit (650-700) | Bad Credit (< 650) | No Credit (0)

For Good Credit (FICO Score 700+)

For people with good credit, meaning a FICO score of 700 or higher, you have a broad range of choices when it comes to getting the right credit card. From unlimited cash back to bonus travel miles to low APR and 0% transfers, these premium cards will reward you all year long.

Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Our Take: "One of our favorite cards, with long 0% intro APRs, low ongoing APRs, awesome cash back rewards, and lots more.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • With Cashback Match you could turn $200 into $400, as the card matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 23.99% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.99% - 23.99% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
Wells Fargo Cash Wise Visa® Card Review

at Wells Fargo'ssecure website

GOOD CREDIT RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
13.99%-25.99% (Variable)
$0
Excellent/Good

+See more cards for “good credit”

For Fair Credit (FICO Score 650-700)

Folks with fair credit, meaning a FICO score between 650 and 700, have plenty of excellent credit card choices also. Many of our top credit card picks for fair credit include no annual fees, unlimited cash back, competitive APR rates, and even flexible payment dates. And all are reviewed and rated by our top experts.

FAIR CREDIT RATING
★★★★★
4.9
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$39
Average, Fair, Limited
FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited

+See more cards for “fair credit”

For Bad Credit (FICO Score < 650)

If you happen to be among the millions of Americans with bad credit, don’t worry. We’ve identified the best credit cards for rebuilding credit, and getting your FICO score back on the right track. Here are some of the top credit cards we’ve found that can help you to reestablish credit, while giving you all of the flexibility and benefits of a high-quality card.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Use your line of credit to shop over 450,000 items from great brands like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuer Website
$0
Poor Credit
BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad

+See more cards for “bad credit”

For No Credit (No Available FICO Score)

For those who are new to credit and have yet to establish a FICO score, we have a list of the top credit cards to help you start building your credit profile. While these cards may come with a smaller available line of credit, they are all premium credit cards with great benefits and reward programs. From cards that reward students to cards that come with no annual fee — you’re sure to find the right card for you here.

NO/LIMITED CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited

+See more cards for “no/limited credit”

Choose the Card That Works For You

Whatever your credit history, financial condition, or FICO score, there’s a credit card that’s tailored to meet your needs. Our experts have identified the best credit cards out there, so you can be assured of getting the benefits, convenience, and service that you deserve — whether it’s from Bank of America or not.