Easiest Bank of America Card to Get Approved For in 2024 (2024)

FAQs

Which Bank of America card is easiest to get approved for? ›

The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.

The Citi Double Cash Card is one of the best cash-back credit cards with no annual fee. Normally, you'd need a good to excellent credit score to be approved for the top credit cards, but you can get the Citi Double Cash Card with fair or average credit.

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

One of the easiest U.S. Bank credit cards you can get is the U.S. Bank Cash+® Visa® Secured Card. This card is available to applicants with bad credit, has a $0 annual fee and requires a minimum deposit of $300 to open the account. The deposit will serve as your credit limit.

Your Bank of America credit card limit will be based on your credit standing once your application has been approved. The lowest credit limit Bank of America would approve a card for is $200, which is the minimum deposit requirement for the BankAmericard® Secured Credit Card.

The BankAmericard® credit card is hard to get because it requires excellent credit for approval, which means you need a credit score of 750+ to have good odds of being approved. This requirement may be difficult for the average American to meet.

Bank of America application restrictions

According to cardholder reports, Bank of America uses a 2/3/4 rule: You can only be approved for two new cards within a 30-day period, three cards within a 12-month period and four cards within a 24-month period.

The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants. In addition to being easy to get, the OpenSky Plus Card has a $0 annual fee and reports to the major credit bureaus, making it easy...

Each of Bank of America's credit cards has its own approval requirements, though most require at least a “good” credit score, which FICO defines as 670 and above.

Although Bank of America offers credit cards for most credit profiles, to qualify for the best credit cards (those with the best rewards and benefits), you'll need an excellent credit score. Those with credit scores of 740 or higher have the best chance of being approved for the best Bank of America credit cards.

What credit score do you need for a Bank of America travel card? ›

Requires Excellent Credit

The Bank of America Travel Rewards credit card would be much more appealing if more people could get it. Instead, you need a credit score of 750 or higher to have a good chance of being approved.

Factors that often result in a denial include: Too many recent hard credit inquiries. Lack of any banking or investment accounts with Bank of America. Too many existing Bank of America credit card accounts.