If you have your eye on one of Bank of America’s great travel, cash back or balance transfer credit cards, be sure to check out your prequalified offers on CardMatch or through the Bank of America website.
Bank of America offers credit cards for all kinds of spenders – from basic, no-frills cards with great intro APRs all the way up to a premium travel card. But many of these offerings are designed for applicants who already have good to excellent credit scores (above 670), so those teetering on the edge of this limit might be worried about a denied application.
Suffering a hard pull to your credit, only for your application to be denied, can be a big disappointment. Luckily, there are ways to boost your chances of scoring your dream card – by getting matched for card offers tailored to your credit profile.
These matches, known as prequalified offers, can be found on a variety of tools across the web. Here’s everything you need to know about scoring a prequalified offer for a Bank of America card.
Top Bank of America cards for prequalified offers
|3% cash back on a category of choice (gas, online shopping, dining, travel, drugstores or home improvements and furnishings)|
2% cash back on grocery store and wholesale club purchases
$2,500 combined limit on 2% and 3% categories each quarter (then 1%)
1% cash back on other purchases
$200 online cash rewards if you spend $1,000 in first 90 days
0% intro APR for 15 billing cycles on purchases and balance transfers (made in the first 60 days), then 13.99% to 23.99% (variable). A balance transfer fee of 3% (minimum $10) applies.
|1.5 points per dollar on every purchase|
25,000 online points after spending $1,000 in first 90 days
No foreign transaction fees
0% intro APR for 15 billing cycles on purchases, then 13.99% to 23.99% (variable)
|2 points per dollar on travel and dining purchases|
2 points per dollar on grocery store purchases (now through 12/31/21)
1.5 points per dollar on other purchases
50,000 online bonus points when you spend $3,000 in first 90 days
Up to $100 statement credit for airline incidentals annually, and up to $100 statement credit for TSA Pre-Check and Global Entry Application fees every four years
No foreign transaction fees
$95 annual fee
Prequalify on the Bank of America website
The easiest way to search for prequalified Bank of America card offers directly on the issuer’s website.
For current Bank of America customers, getting personalized card offers is as easy as signing into your account. If you don’t have an account with Bank of America, you’ll need to enter the same information required by CardMatch – name, address and last four digits of your SSN.
Check for offers on CardMatch
While Bank of America is not currently offering prequalified offers on the tool, you can also search for cards from the issuer on CardMatch™. With just some basic information and a soft pull to your credit score, CardMatch displays prequalified offers as well as other matches that are suited to your credit profile from all the top credit card issuers – including Bank of America.
Even though any offers you see from Bank of America in CardMatch will not be prequalified, all of the cards you see when you use the tool are matched to your specific credit profile, so it’s a good way to see if you meet the target audience for a particular card.
Other ways to prequalify for Bank of America cards
By far the easiest way to prequalify for a Bank of America card is to take advantage of online tools including CardMatch and the Bank of America site. But occasionally, you can get a targeted offer for a Bank of America card in the mail.
Additionally, you can ask if you have any prequalified credit card offers while visiting a Bank of America branch location.
Boost your chances of getting a prequalified offer
If you check CardMatch, the Bank of America site and your mailbox only to find you haven’t been targeted for the card you’re interested in – don’t worry. You can work to improve your credit score and then try again before submitting your application.
Do this by making consistent, on-time payments on your other accounts and keeping your credit utilization ratio low. If you have a limited credit history, you can also consider signing up for a credit card that helps build credit or asking a family member to add you as an authorized user on another account.
Prequalifying doesn’t guarantee approval
Applying for a credit card through a prequalified offer absolutely boosts your chances of being approved for the card. Nevertheless, it does not guarantee your approval. There is always a small possibility that you get prequalified for a card and your application is still denied.
These offers will help you get an idea of which cards are within your reach and take some of the stress out of sending in your application.