5 Bank of America Pre-Approval Credit Cards (Dec. 2023)

Bank of America offers a broad selection of credit cards to consumers, including students and those with subprime credit. Through a unique process, the bank may pre-approve some of these cards, whether or not you are a bank customer. 

While pre-approval doesn’t guarantee you’ll get the card, it puts the odds in your favor. Here’s our rundown of some of the bank’s best cards you can get pre-approved for.

The following Bank of America offerings are what we deem to be the bank’s best credit cards. Each card requires applicants to have good or excellent credit. Your rewards are worth up to 75% more if you qualify for the bank’s Preferred Rewards program. 

If you’d like to own one of these cards, consider seeking pre-approval to determine whether you’re eligible without the decision impacting your credit score or appearing on your credit report. 

1. Bank of America® Customized Cash Rewards credit card

at Bank Of America’ssecure website

EXPERT’S RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0

Our Review »

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice – now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
• If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and no expiration on rewards.
• 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR for 15 billing cycles for purchases	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days	18.24% – 28.24% Variable APR on purchases and balance transfers	$0	Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

The Bank of America® Customized Cash Rewards credit card is the bank’s best credit card for consumers who want some say in where they earn the card’s highest rewards. You can choose a top-tier membership rewards category for purchases from gas stations, online shopping, restaurants, travel providers, drug stores, and home improvement/furnishings stores. You can alter your selection once each calendar month or leave it unchanged indefinitely.

2. Bank of America® Premium Rewards® credit card

at Bank Of America’ssecure website

EXPERT’S RATING

★★★★★

4.8

OVERALL RATING

4.6/5.0

Our Review »

• NEW OFFER! Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire.
• If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• Low $95 annual fee.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	20.24% – 27.24% Variable APR on purchases and balance transfers	$95	Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

The Bank of America® Premium Rewards® credit card may be the best credit card for bank customers who want top membership rewards and travel. This card charges a moderate annual fee but never charges a foreign transaction fee. Balance transfer transactions and certain cash advances, such as direct deposits, are available at the bank’s discretion.

3. Bank of America® Travel Rewards credit card

at Bank Of America’ssecure website

EXPERT’S RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0

Our Review »

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
• If you’re a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR for 15 billing cycles for purchases	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days	18.24% – 28.24% Variable APR on purchases and balance transfers	$0	Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

Travelers will find the Bank of America® Travel Rewards credit card a solid choice. It provides travel-oriented redemptions and benefits and never charges annual or foreign transaction fees. Your reward points don’t expire while the account remains open. You’ll always avoid interest on eligible purchases if you pay your entire balance before the grace period expires.

4. Bank of America® Unlimited Cash Rewards credit card

at Bank Of America’ssecure website

EXPERT’S RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0

Our Review »

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn unlimited 1.5% cash back on all purchases.
• If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
• No annual fee.
• No limit to the amount of cash back you can earn and cash rewards don’t expire.
• 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR for 15 billing cycles for purchases	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days	18.24% – 28.24% Variable APR on purchases and balance transfers	$0	Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

The Bank of America® Unlimited Cash Rewards credit card provides the simplicity of an unlimited, flat cash back rate on each eligible purchase. Preferred Rewards members can receive up to 75% more cash back. You can redeem your cash back as a statement credit, direct deposits, gift cards, or checks. While there’s no annual fee, this cash back credit card charges a fee based on the US dollar amount of each foreign currency transaction in addition to any other applicable fee.

5. BankAmericard® credit card

This card is currently not available.

Bank of America® Rating

★★★★★

N/A

OVERALL RATING

N/A

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	N/A	N/A

Additional Disclosure: The information related to BankAmericard® credit card has been collected by CardRates.com and has not been reviewed or provided by the issuer of this card.

The BankAmericard® credit card eschews rewards in favor of a 0% APR promotion with an unusually long introductory period. The card is one of the bank’s least expensive, with no annual fee or penalty APR and a relatively low regular APR range. The card’s $0 liability guarantee covers fraudulent transactions that others make using your account. You can apply for Balance Connect® overdraft protection if you also have a Bank of America deposit account.

Bank of America offers multiple ways to prequalify for its credit cards, including personalized offers and preselections. The bank may present preselected existing Bank of America customers with a credit card offer in person, online, or via mail, email, or mobile app. 

If you receive a mailed invitation, you can complete and return the application or respond online with the provided code or link.

Consumers who haven’t received a preselected credit card offer can attempt to prequalify for a Bank of America credit card online using the personalized offer tool on the bank’s website. 

You initiate the process by providing basic information about yourself, including your address, birth date, and the last four digits of your Social Security number. You can also specify the kind of credit card perks that interest you, including:

• Cash rewards
• Travel rewards
• Premium rewards
• Lower interest rate
• Build or rebuild credit

If you are eligible, the bank will respond immediately with one or more recommendations. Although you may have prequalified for a card, you still must fill out an application providing the following additional information:

• Primary phone number and type
• Email address
• Citizenship
• Employment status and income
• Monthly housing payment

The bank will also ask if you want to add an authorized user or a balance transfer to your new credit card. You can submit your application, but please read the displayed terms & conditions first. 

Bank of America will perform a hard credit check before providing final approval. The bank has its own credit standards — the reviewed cards require a good-to-excellent credit score (generally, a FICO score of 670 or higher). Other Bank of America credit cards may accept lower scores. The credit check may slightly impact your credit score and will remain on your credit reports for two years.

Pre-approval doesn’t guarantee final approval; it only eliminates ineligible applicants. Bank of America waits until you submit the entire application before running a hard credit check, and the credit pull may be the decisive factor for your approval.

Pre-approval verifies some basic requirements, such as:

• Age: You must be at least 18 years old.
• Residence: You must be a US resident. You can still apply if you are a non-resident but only in person through a local Bank of America branch.
• Independent income: If you are under 21, you must submit proof of an independent source of income.
• Social Security Number

The bank will allow you to apply for a credit card if you satisfy these requirements. The approval process is streamlined for existing bank customers since most of the data is already on file.

It’s easy to get approved for any of the bank’s secured cards. This includes the Bank of America® Customized Cash Rewards Secured Credit Card, the BankAmericard Secured Credit Card, and the Business Advantage Unlimited Cash Rewards Mastercard Secured credit card. You must make a minimum deposit to qualify for these cards.

Your cash collateral allows the bank to accept applicants for these cards who are too risky for an unsecured card. Except for the security deposits, these cards mirror the features of their unsecured siblings. 

Your preferences will help you determine which credit card to choose. Bank of America has credit cards that offer rewards, 0% APR promotions, and signup bonuses for an introductory period following account opening, among other draws.

You should also keep in mind the maximum credit limit, card costs, and the required credit score. For example, you may prefer travel points to cash back or tiered rewards to flat. 

As described earlier, you can indicate your preferred credit card perks when you use the bank’s customized offer tool. Some Bank of America customers may choose to own more than one of the bank’s credit cards. 

For example, you may opt for cash back and travel cards. This duo is a classic way to maximize your rewards for different types of eligible purchases. You can redeem your cash back through checks, direct deposits, gift cards, or a statement credit.

Unlike the average credit card issuer, Bank of America doesn’t limit the number of its credit cards you can own.

If you don’t have a credit card, getting one from the Bank of America can materially improve your lifestyle. Obtaining a credit card from this credit card issuer is straightforward, and you can prequalify in several ways. 

While it’s natural to get a Bank of America credit card if you already bank there, unaffiliated consumers will find lots to like from its best bank cards.