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Bank of America Credit Cards

Bank of America Credit Cards

 3.8/5 (533 reviews)

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Overall Rating3.8 out of 5
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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.

Bank of America Credit Cards Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 10, 2023

I applied for a credit card in early April 2023. On April 13, 2023, I received a paper letter from Bank of America telling me they need further documents to process my application. The letter said I can go to a physical branch and show them the required document. I made an appointment and went to a branch in Cambridge, MA the first Friday after receiving the letter. The branch representative made a copy of the document and said everything is ok. A few days later, I did not receive any notification so I called Bank of America. After talking on the phone and waiting for about an hour, somebody told me the documents have not been uploaded into the system and I should visit a physical branch. I made another appointment and went to the same branch in Cambridge, MA on the following Friday, and told them the problem. They assured me this time the documents have been uploaded and everything seems ok.

I waited a few days and called Bank of America again. I waited and talked on the phone for another hour or so and they told me the document is not accessible in their system yet and I should wait. I called them today May 10, 2023 (almost one month after my application for their credit card and almost one month after receiving their letter). I wasted another hour and they told me I needed to mail them a photocopy of my document in the first place and the first notice I received via email was erroneous! No shame. No respect for my time. Now I have to wait another week to receive another notice and go through this pointless and disrespectful process again. I am not sure if I mail them the photocopied version of the required document, they would not make similar mistakes and waste my time again. I recommend you stay away from Bank of America.

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Verified Reviewer
Original review: May 7, 2023

For years I have OVERPAID my balance as they do NOT make clear what is 30 days old versus what would normally appear on the following months statement. So today, for 6/2 I paid way over again. I called and the person answering could NOT be clear what was due, versus what was owed. Due was for the 30 day period about $1,200, but she kept saying $9.75 or some version of that. Only result was that is was not clear. I hate BAC they are crappy or worse in leading clients to overpay; hence; BAC makes more money. Daniel **, NC

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    Verified Reviewer
    Original review: May 4, 2023

    I called the bank to request an increase on a card prior to doing a transfer from another bank. Instead, they decreased my card by 10k with no explanation. I called to find out why but no information is available. Decision is made by a computer. Everything else related to my credit has been improving. I also have a significant amount of expenses $ owed to me that I will be using to pay down balances. Simultaneously my credit rating dropped from excellent to good. I had to reapply to have the limit increased again and there is no way to add in notes to the application. How are customers supposed to manage their credit when no information is available and the system is so inflexible. Both the bank and I lost in this situation with no way to impact or even provide feedback.

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    Verified Reviewer
    Original review: May 3, 2023

    My BOA credit card balance was over-drafted by auto pay. I then reached out to the BOA credit card representative and was told they have refunded and sent a check on March 8 in the amount of 4401.92. I have not received the check yet. I reached out to an online credit card representative multiple times and was told the check will be re-issued; that did not work and then I was told; it will be electronically deposited and it did not work either. After that: I went to the branch and after a 2 hour phone conversation; I was told the previous payment was stopped and was told they will re-issue and I will receive it in 2 weeks. No confirmation if the check was issued or not is provided and unsure what is happening with my refund.

    So far I have not received the check and it's been more than 17 days. I have spent so much of my time calling and trying to get a hold of my payment and nothing has helped me to receive my own money. This is very frustrating as I am unable to get my own money as it's been around 2 months. I have spend more than 17 hours to get my refund and now; the representative are hanging the phone and not following up. Horrible experience.. as my bills are piling up.

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    Verified Reviewer
    Original review: April 11, 2023

    How dare you waste over 6 hours of mine trying to resolve the fraud that your bank allowed to be committed against me. Your safeguards and ability to confirm that a person is who they say they are are horrible. You allowed somebody to open up a credit card in my name and are doing next to nothing to make me whole or rectify the situation. You've lost a customer for life.

    2 people found this review helpful
    Verified Reviewer
    Original review: March 28, 2023

    My card was hacked and cancelled. I am still waiting for the replacement after 10 days. A visit to a local BOA and multiple customer service calls and emails still no card. First person I talked to asked me if I knew who hacked my card. I said no and his response was “really?”? Customer service sends me a verification code. I tell them the code and they tell me, "That’s not the code." BOA claims the cards were sent via UPS who cannot tell me a delivery date. Are they in trouble financially? Why are they acting this way? Did they just attend a seminar learning to be suspicious of all customers?If they are so suspicious why can’t a new card be issued from the local bank?

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    Verified Reviewer Verified Buyer
    Original review: Feb. 2, 2023

    BOA phone rep sitting at home wouldn't reset online tools so I could pay bill online unless I gave her my bank info to Truist. I declined & was forced to go into branch to pay at counter. The background is that I made a manual accounting error when I used their online tools to submit payment on 1-13-2023. The payment didn't clear. I went to my own bank to see what happened because I had received a payment confirmation. I got everything resolved and then tried to once again make payment online via bank of America website. I reset password several times and couldn't log in. I call customer service to see if someone could reset account so I could log in to pay. No one would reset account unless I gave them my Truist routing and bank account number to deduct payment. I got irritated because I had a different issue with BOA in the past and swore to never get another credit card through them.

    I have this card because I did NOT know that the airline that I frequently fly is cobranded with them. I foolishly thought the airlines was whom payment was going to. Anyways, I heard weird noise in background while on the phone with the representative. I felt too uncomfortable to give my information to her. I think she was at home. I just didn't want my information to be around her family members, guests, or written on a tablet to later financially damage me. So, I said that I will never make a phone payment to the lady and had to go to the branch just to make a payment. I knew from a review someone else posted to NOT make payment via the ATM machine. I went inside and ensured that the funds didn't mysterious disappear. I am unsure whether I will have online access again. I don't care because the card will be paid off within 30 days and I will not give them any more business.

    3 people found this review helpful
    Verified Reviewer
    Original review: Jan. 23, 2023

    One of the worst speech recognition, not well programmed to give proper options, and no option to bypass the system. It takes forever to get to an agent. This is for Bank of America small business card. I am closing the account soon. If you are a small business I would not use them, wastes precious time.

    3 people found this review helpful
    Verified Reviewer
    Original review: Jan. 21, 2023

    Heaven forbid that some company will scam you and you used a Bank of America credit card for payment, because THEY WILL NOT PROTECT YOU. They will make you think they will by removing the charge when you submit the dispute and then later decide to uphold bogus fees against you based on a company's policies that is the 3rd party of the company you were directly working with. Even after submitting proof, they will still side with the company against you. Get credit cards from really ANYBODY else. I have a credit score over 800 and they still put my APR at like 24% which is ridiculous and then on top of that they don't protect me from scams.

    4 people found this review helpful
    Verified Reviewer
    Original review: Jan. 21, 2023

    Someone had opened a card in my name and when I immediately called once the inquiry hit my credit, the BoA rep assured me that they did not open a card. I then received said card in the mail and clearly it was opened. Then I called and waited over 30 minutes just to speak with another fraud representative. I wouldn't open an account with a company like this on a bet.

    2 people found this review helpful
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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