I started in 2010 on a secured card with a $300 limit. About a year later I was switched to cash rewards and was approved for $1500. A year later I requested and was approved $5000. Just last week while checking my credit score I noticed I was moved to $7000 on an automatic approval. I called and was told sometimes they do this I really had no idea. As long as those payments come in on time BOA will move your limit up rather quickly it would seem.
Ratings by Category
- Balance Transfer Intro APR 0% intro for 12 Billing Cycles
- Balance Transfer Regular APR 13.24% - 23.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0% intro for 12 Billing Cycles
- Purchase Regular APR 13.24% - 23.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Bank of America credit card services is a disorganized mess with departments who have no idea why other departments do something. When there is a mistake due to their many IT errors, it took days out of my life to finally talk to someone who could fix it. I also had an interesting experience where I filed a claim for a company that had access to my credit card number illegally billing me. BoA decided in my favor and credited me. Then months later I get a letter from them requesting a written reply from me in 3 DAYS or they will forfeit my claim. I mailed it that day, but 2 weeks later BoA claimed they hadn't received it. They actually re-billed me for that amount and said there was nothing they could do! I've had many credit cards, and this is by far the most disorganized and "IT-error" riddled of them all. That's their blanket statement for all their problems... "IT error." Please do not get this card.
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Bank of America offers a variety of high-value credit cards, like the BankAmericard Cash Rewards™, BankAmericard Travel Rewards® and BankAmericard® Visa® cards, featuring competitive rates.
Bank of America is one of the world's largest financial institutions, serving individual consumers, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 57 million consumer and small business relationships with approximately 5,700 retail banking offices and approximately 17,250 ATMs and award-winning online banking with 30 million active users.
† We look at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there’s no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.