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.
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Bank of America credit cards may seem convenient if B of A is your bank, but the program that they use to determine fraud is too stringent. My card has been blocked at the grocery store, hardware store, gas station, and online. When speaking with customer service, the reason is always 'that is unusual spending' or we need to verify the purchase with you. Unfortunately, they do not call to verify any purchases. After having been blocked over 20 times, I have NEVER received a phone call asking for verification. The purchase is just declined. This is my primary credit card, but I began using AMEX a few years ago and they text me when they think a purchase is unusual (but they have never blocked any). I am very frustrated about Bank of America's credit cards. I will rely on another bank to provide my credit needs.
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.
† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.
‡ 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.