FAQs
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.
What is the easiest Bank of America credit card to get approved for? ›
One of the best Bank of America credit cards for bad credit is the Bank of America® Customized Cash Rewards Secured Credit Card because it offers 1 - 3% cash back on purchases. The Bank of America Custom Cash Secured Card also has a $0 annual fee. This card requires a $200+ security deposit.
What is the easiest bank card to get approved for? ›
Easiest credit cards to get
- Best for no credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
- Best for small businesses: Bank of America Business Advantage Unlimited Cash Rewards Secured credit card.
- Best for Chase customers: Chase Freedom Rise℠
- Best for no annual fee: Citi Double Cash® Card.
You need a credit score of 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. For example, it is possible to get approved for certain Bank of America credit cards even if you have bad credit.
Is there a credit card that approves everyone? ›
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
Does Bank of America approve instantly? ›
It can take as little as a minute to get approved for a Bank of America credit card, but it can also take up to 30 days in some cases. Most applicants, however, receive a decision within a few days if they don't get one instantly.
Does Bank of America do instant approval credit cards? ›
Bank of America gives instant approval on its credit cards, but only some of the time. Instant approval always is possible when applying for a Bank of America credit card online, though getting approved for an account immediately is never guaranteed.
What banks give you a card instantly? ›
- Top credit cards you can use instantly after approval.
- Chase Sapphire Preferred® Card.
- Blue Cash Preferred® Card from American Express.
- Citi Custom Cash® Card.
- Capital One Venture Rewards Credit Card.
- U.S. Bank Cash+® Visa Signature® Card.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.
How do I get a credit card if no one will approve me? ›
Consider a secured credit card
A secured credit card requires that cardholders put down a deposit, which acts as collateral if they're ever unable to make payments. The Discover it® Secured Credit Card is one such option, requiring a security deposit of $200.
What score model was used to calculate my score? Your score in Online Banking is a FICO® Score 8 based on TransUnion Data to manage your account and that is what Bank of America shares with you.
Does Bank of America approve bad credit? ›
If you don't have any credit history or are suffering from poor credit, you can consider applying for the Bank of America® Customized Cash Rewards Secured Credit Card* that is designed to help people improve their credit history. It has no annual fee and you can open it with a minimum security deposit of $200.
What credit score is required for a Bank of America credit card? ›
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.
Which credit card has the fastest approval? ›
Best Credit Cards With Instant Approval
- Chase Freedom Flex℠ *: Best No Annual Fee Card.
- Chase Sapphire Reserve®: Best for Lounge Access.
- American Express® Gold Card: Best for Dining.
- Delta SkyMiles® Reserve American Express Card: Best for Flights.
- Blue Cash Preferred® Card from American Express: Best for Groceries.
An instant approval credit card lets you know within just a few minutes whether or not your application is approved – just enter your personal information, verify your identity, and let the underwriting algorithms do their thing! If you have bad credit, you may need to apply for a secured credit card.
What's the easiest unsecured credit card to get? ›
Easiest Unsecured Credit Cards to Get
- Cash Back: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- No Minimum Credit Score: Milestone® Mastercard®
- Rates & FeesHigh Approval Odds: Total Visa® Card.
- No Upfront Fees: Indigo® Mastercard® for Less than Perfect Credit.
- No Checking Account Needed: Fingerhut Credit Account.
Your Bank of America credit card approval odds are high if you have a credit score of 750 or higher in most cases. This means Bank of America credit cards usually require excellent credit for approval.
What credit score is needed for a Bank of America secured credit card? ›
What's the Bank of America Secured credit card score requirement? The minimum credit score required for the BankAmericard Secured credit card is at least 300. This means that the BankAmericard Secured credit card accepts people with bad credit.
What credit score does Bank of America pull from? ›
Credit Bureau used by Bank of America
Bank of America primarily uses Experian reporting data, though it pulls Transunion reports in some states.
Which Bank of America card gives the highest limit? ›
The Bank of America card that gives the highest credit limit is the Bank of America® Customized Cash Rewards credit card, which has a reported maximum limit of $95,000. Your individual limit will be determined based on your credit history, income, outstanding debts, and other factors.
