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How to get preapproved for a Bank of America card

Use prequalified offers and card matches to find the best card for your credit profile

Summary

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.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

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

Cash back

Bank of America Cash Rewards card

Bank of America® Cash Rewards credit card

Travel

Bank of America Travel Rewards

Bank of America® Travel Rewards credit card

Balance transfers

BankAmericard

BankAmericard® credit card

3% cash back on a category of choice (gas, online shopping, dining, travel, drug stores 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

1% cash back on other purchases

$200 online cash rewards if you spend $1,000 in first 90 days

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% APR on balance transfers made in first 60 days for first 18 billing cycles then 14.49% to 24.49% variable APR

0% APR on new purchases for first 18 billing cycles then 14.49% to 24.49% variable APR

Check for offers on CardMatch

One easy place to check for prequalified offers from Bank of America is CardMatch™, the prequalification tool offered here on CreditCards.com. To use CardMatch, just enter basic personal information including your name, address and the last four digits of your social security number.

CardMatch displays prequalified offers and other card matches from all the top credit card issuers – including Bank of America. The platform is totally secure and operates on a soft pull to your credit. That means you don’t need to worry about a ding to your score.

Prequalify on the Bank of America website

In addition to offers on CardMatch, you can 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 social.

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 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.

Final thoughts

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.

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.

The Bank of America content was last updated on March 3, 2020. 

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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Credit Card Rate Report Updated: July 2nd, 2020
Business
13.91%
Airline
15.48%
Cash Back
16.09%
Reward
15.82%
Student
16.12%

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