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The Bank Of America Customized Cash Rewards card is great for BOA rewards as they offer an additional 25%/75% rewards bonus on every purchase for preferred rewards customers. Worth it to be a customer! Earn 3% on these categories and on more: gas, online shopping, and travel.
- Max cards: Bank of America will only approve you for 2 Bank of America personal cards within 2 months, 3 Bank of America personal cards within 12 months, and 4 Bank of America personal cards within 24 months
- You cannot get approved for a personal Bank of America card if you have more than 5 Bank of America personal credit cards open
- BOA 2/6 cards in 12 months rule: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers. Except if your a BOA bank account holder, then, you can get approved even if you opened up to 6 cards in 12 months
- Credit bureau: Bank Of America will usually pull your Experian credit report (If you freeze Experian then Bank Of America will pull your TransUnion credit report)
- Combining same-day credit inquiries: Credit inquiries for all Personal BOA cards for same-day applications will be combined; also, Credit inquiries for all Business BOA cards for same-day applications will be combined
- Check application status: You can check your application status here
- Reconsideration: The old reconsideration number stopped working. There is currently no reconsideration phone line that I am aware of
Recent Approvals and Denials (as submitted by Help Me Build Credit users)
Credit limit range $1-$16,000
Avg. Credit limit$8,117
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
Bonus rewards with Bank Of America Preferred Rewards. Platinum Honors members ($100,000 or more in your Bank of America accounts) earn 75% more rewards on all purchases, Platinum members ($50,000 or more in your Bank of America accounts) earn 50% more rewards on all purchases, Gold members ($20,000 or more in your Bank of America accounts) earn 25% more rewards on all purchases.
Get your original manufacturer's warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per cardholder.
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $500 per claim, $50,000 per year.