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Bank of America Credit Cards Reviews

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About Bank of America Credit Cards

Headquartered in Charlotte, North Carolina, Bank of America is one of the largest banks in the U.S. and offers a range of banking products, such as checking and savings accounts and certificates of deposit (CDs). Customers can also use Bank of America for financing through various cash-back credit cards, personal loans and home and auto loans.

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Bank of America Credit Cards Reviews

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    Customer ServicePriceStaff

    Reviewed June 14, 2025

    Been using BOA credit card for eight years. Have autopay set up for full balance on due date, and significant overdraft protection with Chase. Suddenly in January of 2025 they began charging me interest even though nothing had changed. I received a variety of explanations from customer service, but they did reverse each charge the first three times it happened and vowed to escalate the situation to tech. The fourth time this happened they refused to reverse the interest charge, stating that although I authorized payment on the due date, the money arrives to BOA the next day and is subject to interest charges. Are they kidding? Nope! I have multiple credit cards with Chase, Citibank and Apple all set to pay on the due date and do not have this issue.

    Additionally each time I needed to call BOA Customer Service, my hold time to speak with a representative was never under twenty-five minutes. Average time for each call was well over an hour. And to make matters intolerable, there is no selection to speak to an associate when your issue does not apply to any of the dozens of prompts offered. If the solution is to pay two days before the due date to avoid interest, then every rep who I spoke to should have been able to inform me. I invested six hours on the phone and experienced unnecessary frustration due to the ineptness of this bank. There are other issues as well that are too complicated to go into here. I look forward to closing the card and savings account.

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    Customer ServiceSales & MarketingPunctuality & Speed

    Reviewed June 9, 2025

    I have American Express and Chase credit cards and both of them are extremely efficient and effective and punctual. I have a Bank of America card, but I almost never use it because they are the absolute worst at customer service and antiquated. I’m trying to pay my bill and their banking system is so outdated when trying to use any type of routing numbers so I sat on the phone for 45 minutes and just gave up. I did that a few months ago as well. It’s atrocious. Then when I go to the bank to pay it in person, they just say oh we can’t help you. You have to get back on the phone and sit there like a jackass listening to that same stupid sales pitch over and over on the recorded l twilight zone they stick you on.

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      Customer ServicePrice

      Reviewed June 8, 2025

      Extremely disappointed with Bank of America’s customer service. I paid off my full credit card balance of $4,770 before the next billing cycle and yet I was still charged a $42.13 interest fee. I called customer service thinking it was a simple fix, but instead I was transferred from one department to another for almost an hour with zero resolution.

      Nobody took responsibility. No one reversed the charge. Just a waste of time and energy over something that should’ve never happened if the system and customer support actually worked. I’ve been a loyal customer, but this experience makes me seriously question continuing to bank with them. Once my payment of $42.13 clears, I’m officially closing my account. This is not how customers should be treated. Avoid Bank of America if you value clear billing, accountability, and respectful support.

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      Customer ServiceEase of Use

      Reviewed June 4, 2025

      The ONLY reason I use BoA is for the Alaska Air benefits, but I have increasing doubts that it's worth the incredible hassle. Corp account charges are confusing and difficult to navigate. But, the worst part is trying to call in to get assistance. I've always had trouble, but today I tried calling multiple times and it would not recognize the last four digits of the account. I tried 15 times to enter it by keypad or by voice, speaking clearly and loudly. Miraculously, it went through eventually.

      The source of much of the trouble is BoA's unwillingness to extend a reasonable credit. I pay in cash, own a business and have good net worth, yet they required a CoD for a small 1200 business card and 1500 on a personal card. Neither goes far enough when purchasing flights. I don't know why a company like Alaska Air, which prides itself on service and traditional values would partner with a company like Bank of America. I might have to look for a different mileage partner.

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      Customer ServiceStaff

      Reviewed May 27, 2025

      If I could, I would give zero Stars for the BOA credit card department. I have dealt with a case from Jan 2025-June 2025. I was billed for something two times when I should only be responsible for the one service I received. The case has been in and out of disputes 4 times after spending endless hours on the phone being passed around - improperly being transferred, communicating with employees that cannot speak or understand English - It has been a nightmare.

      VRBO mistakenly told me the one transaction on my BOA card was not in relation to my transaction with them and suggested I put it into a fraud dispute. Once the owner of the VRBO property contacted me, I canceled the dispute and was correctly billed the half a grand I owed. I paid the half a grand for that transaction. The owner later contacted me and never received his Money from Bank of America, after waiting they said 45 days, so in order for the owner to get his money, he ended up billing me a second time using a different name, making the transactions appear to be separate transactions.

      Bank of America was to call me to confirm the owner of the VRBO property received his money. They never called. Bank of America pocketed the money, and I paid double the amount of my transaction because the man billed me for a service I never received. I already paid what I owed to BOA. Not only did Bank of America misrepresent me, they are dishonest and shady in not making this right - making me pay for this one transaction twice.

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      Customer ServiceStaff

      Reviewed May 26, 2025

      When I try to dispute, it took over 15 days to even review. I called to complain to the Associate who responded, "they should have already done that." It went passed my monthly statement which was 15 days later. After the complaint, they reduced my credit to 1/3rd. This causes my credit score and FICO score to go down. My app won't even accept payment for rest of my account. I called three times and was told your bill pay was reset so you can use in three days. Still doesn't accept my bank for my new account but is still there for my old account.

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      Customer Service

      Reviewed May 22, 2025

      I’m 62 years old and I can honestly say dealing with Bank of America Credit Card is the most frustrated I have ever been in my entire life. If you have a fraud event, they make you come into a branch and then they often make no note of it and make you come in again and again and again. They are beyond incompetent. Go to American Express where customer service is taken seriously!

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      Customer ServiceSales & MarketingPunctuality & SpeedStaff

      Reviewed May 20, 2025

      I made a purchase with my Bank of America card to a company called get your guide. It was for tickets to the High roller bar in Vegas. Come to find out they were a scam. I did a dispute with BOA and the next day a credit came back on to my card, we thought it was from the company who scammed us, and it was a provisional credit from BOA but never stated who it was from, so we were happy that we saw the money returned and we closed the dispute, the next day the charge was put back on to our card by BOA and I called them they told me I have to do another dispute, and this time they need all conversations with get your guide and a copy of the statement and other paperwork that I went and printed it all out and sent it to them.

      Then called them a week later they said they got it, It is now May 20th, I have made many calls to them and they do not know what they are doing, today they told me the case was resolved on 5/11 and they did not make it on our favor even though we paid for tickets that we never used and they don't care. They said you can't close a dispute and open another one, and that is what they had told me to do, I wouldn't have wasted my time on any of this, total of 8 hours of my own personal down time on the phone with people who pass you back and forth from one dept to another. I would not recommend them at all. They do not believe or care about their customers. We are out $289 and many hours of frustration. A dispute is a joke they just have you do it to buy time for them to do nothing, because if they had looked into this claim they would have seen fraud.

      We are the victims and now we are feeling like we had no one to listen to us or help us, I finally got back on the line and I said I hope I am on a recorded line, I said keep the $289 being on the phone a total of 8 hours (not even joking) is another loss of my time and money I can't get back. I am sad that they let this other company get away with fraud, but I will not spend one more dime with this company and I told them to take their money and close us out we are done. We are good paying customers always on time and they treat us like this.

      The reason for a dispute is to help recover what was never given to you in the first place, they have no idea what they are doing and even now, they are wasting my time, but this will be the last time they ever do that. Do yourself a favor and get a different credit card. Oh yeah the wait times to talk to a rep is like almost an hour each call, that is fun. Hope you know you lost great customers, get better organized. No lesson to learn here, we did nothing wrong, they did not protect us and we got scammed. Thank BOA!!! Never again.

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      Customer ServicePriceStaff

      Reviewed May 19, 2025

      I applied for a credit card with Bank of America to be used with Alaska Airlines. It was a time sensitive offer for $300 plus companion savings. I went online to set up by account. After being approved, the website would not let me set up automatic payment. I called and the representative said my account was flagged as suspicious activity so it was temporary suspended. I explained I tried to use the card for an online purchase since the digital card was sent to me online and said I could use it. He said I should wait until I receive the physical card.

      We left on vacation and when we got back the physical card was in the mail and another letter telling me they had tried to call me (nothing on my cell phone call logs or a messages) and it was important to hear from me in the next 25 days or the account would be closed. I had already called the day I opened the account and talk with a representative and verified it was me who opened the account. So today I called to activate my card and was told the account was closed today. Once closed it could not be reopened. My only option was to reapply for an Alaska card and it would take another couple of weeks before I could use it.

      After being transferred 4 times, no one was willing to give help me out. They finally found a call log that I had called 24 days ago but SINCE I did not respond to the letter the account was closed. The offer from Alaska Airlines is not be offered now and I do not want the lesser offer. The four representatives I talked with were professional but no one was willing to get me to someone who could help me. It was left that Bank of America would not admit to making an error that cost me the perks of getting the card. Just reapply. NO THANK YOU. You are not a Bank I want to deal with.

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      Customer ServiceStaff

      Reviewed May 7, 2025

      I am refuting a charge on my BofA CC. I have received no help from the BoA. No one to talk to, they keep referring you to representatives that don't get it. After 5 phone conservations with BofA people that don't care about loyal customers. I am done with the Bank. The last person I talked to (after my totally upset call) was, "have a good one."

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      Bank of America author review by Danni White

      Bank of America is one of the largest financial institutions in the country. It’s a global leader in wealth management, corporate and investment banking and more. Bank of America is very convenient because it offers 4,700 financial centers and 16,000 ATMs. The bank has 32 million online banking users and 19 million mobile users. It has been working with customers for more than 200 years.

      • Cash rewards: Bank of America offers several cash back credit cards with good rewards, including one for students.

      • Secured credit card: If used responsibly for 12 months, it’s possible to graduate to an unsecured credit card with Bank of America. The 20.49 percent APR is a little high, but it’s not an issue if the bill is paid off every month.

      • Credit card for paying down balances: The BankAmericard Better Balance Rewards credit card lets you earn $25 per quarter when you pay more than the minimum amount due, up to $100 per year.

      • Zero percent introductory offers: Several cards have these offers for purchases and balance transfers. Read the terms and conditions carefully so you know when the promotion ends.

      • Sign-up bonuses: Many of Bank of America's credit cards offer generous sign-up bonuses if you meet the spending requirements within the time requirement.

      • Well-designed, user-friendly website: The bank has made it easy to view the rates, fees and rewards for their cards. This makes it easier to understand and choose the card that’s best for you.

      • Reputation: Bank of America is a trusted name in the credit card industry.

      • Convenience: It has branches all over the world that are easy to access.

      by Danni White ConsumerAffairs Research Team

      As a member of the ConsumerAffairs research team, Danni White is committed to providing valuable resources designed to help consumers make informed purchase decisions. Danni specializes in content strategy and development, with over a decade of professional writing and research experience.

      Bank of America Credit Cards Company Information

      Company Name:
      Bank of America
      Company Type:
      Public
      Ticker Symbol:
      BAC
      Year Founded:
      1992
      Address:
      100 North Tryon St
      City:
      Charlotte
      State/Province:
      NC
      Postal Code:
      28255
      Country:
      United States
      Website:
      www.bankofamerica.com