Bank of America Credit Cards

Bank of America Credit Cards Reviews

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Overall Rating1.7 out of 5
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About Bank of America Credit Cards Reviews

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 2 Reviews 10 - 40
Customer ServicePricePunctuality & SpeedStaff

Reviewed July 26, 2023

Called to cancel my card and was given misinformation by the poorly trained customer service representative. One month later they are attempting to extort money from me for the annual fee plus interest. I have always paid in full and on time but they are treating me like a criminal, sending me to collections, refusing to stand on what their representative told me the month before. They always make sure you know they're recording phone calls but that's only for their protection, not to help sort out a poorly trained representatives' conversation.

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Customer ServiceStaff

Reviewed July 21, 2023

Customer service is nonexistent. I have been placed on hold more than once in order to talk to a live agent and have waited 20 or more minutes. I have been given the wrong numbers to call for help. I have been hung up on. Finally on the third try, I found a helpful agent. she opened a case for me. The case resulted in a one sentence letter that said there was no issue. The letter had no point of contact, phone, number, or any information on how to discuss or resolve the matter. Bank of America failed to honor its reward program for Celebrity Cruise Lines. Subsequently, I have since canceled my credit card due to this extremely poor customer service. It doesn’t get any worse than this.

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Customer ServicePunctuality & Speed

Reviewed July 5, 2023

I am so disgusted with Bank of America. I have had them since 2008. I have three checking accounts, one business account and a savings account as well as a credit card and vehicle loan. I went to use my credit card at the supermarket on the Fourth of July when they tell me my card is not authorized on July 3. They canceled my card and closed it with no reason. They will not give me a reason. I have an 800 credit score. Have never had a late payment with them pay due. After calling eight times and getting no resolution or response from them. I feel that they are targeting me and our prejudice because I’m of ** descent.

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Customer ServiceStaff

Reviewed June 26, 2023

Bank of America has exhibited a pattern of treating their customers poorly. Their customer service does not advocate for the consumer. They refuse to support and make common sense decisions and authorizations in relation to customer concerns. Bank of America customer service agents display a lack of empathy and disregard for customers who have chosen to close all their Bank of America accounts. These instances highlight a significant failure on the part of Bank of America to prioritize customer satisfaction and provide the necessary support. It's a disgrace. They bastardize the word America as they are not for any American who allows their hard earned wages to be transferred through that **hattery of financial services. I encourage Bank of America to address these issues promptly and take appropriate measures to improve their customer service experience.

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Customer Service

Reviewed June 21, 2023

When you need to call them for information about your credit card, they do their best to discourage you -- that is, to prevent you -- from speaking to a person, live. Around and around, asking you to choose options, stating they didn't understand what you want, more options, more demands, then, after 5.5 minutes or so, "We're too busy to speak with you, call later" or "We'll call you later." If it weren't for the changeable 3% cash back, I would drop this card immediately, because their obstructive non-service attitude indicates they don't want my business.

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Reviewed June 21, 2023

I recently applied for a credit card through Bank of America because the rewards structure fit a purchase I was trying to make. I am an existing Bank of America customer, so we have a history, hence it makes absolutely no sense for them to have run a hard credit inquiry on me when I applied for this card. One day I noticed my FICO score had dropped 25 points, and it was directly related to my application for this Bank of America card and their hard inquiry on my credit history, which is one of the only factors in my credit history that has lowered from my score from the excellent range. Since Bank of America has put a black mark on me, I am here today to put one on them. Thanks for lowering my score, I hope this one-star review lowers yours!

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Customer ServiceStaff

Reviewed June 14, 2023

I was trying to make an online purchase that was not going through. I waited on hold/upon connection to a representative I was hung up on. I could hear the representative talking to a co worker for about 10 seconds; then a frustrated exhale. Click. Do your job; very poor customer service.

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Customer ServicePunctuality & Speed

Reviewed 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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Customer ServiceStaff

Reviewed 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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Customer Service

Reviewed 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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Customer ServiceStaff

Reviewed 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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Reviewed 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.

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Reviewed 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 purchase

Reviewed 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.

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Reviewed 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.

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Reviewed 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.

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Reviewed 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.

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Reviewed Jan. 19, 2023

I was ban of applying for a credit card with this bank for no reason… my recent credit card application was denied due to “revoked status” but they did pull my credit report and put a hard inquiry on my Experian credit report .. my last credit card I had with BOA was in 2016 and closed and paid off no past due .. I already call the credit bureau. They remove the inquiry. I will never do business with BOA. Hello Wells Fargo!!! Stay away from Bank of America.

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Reviewed Jan. 3, 2023

This ruined my credit and it dropped almost 150 points. I can't get a home loan and my wife is going to leave me. My credit card account is set up on auto pay and your autopay system malfunctioned. For some reason, the account stopped auto-paying my credit card. I have had all of my credit cards auto-paying with you guys for years. I have the same bank account hooked up to 3 other credit card companies with 0 issues. All of these accounts are set up on autopsy. They don't return my calls and are very rude when I call.

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Reviewed Dec. 29, 2022

I'm have Bank of America reward cash credit card. I'm didn't use the card over one year. Bank of America close my card account and lose all my cash reward around $6,000. I'm see this is not fair, BAD.

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Reviewed Dec. 7, 2022

Bank of America cancelled my payment and sold my credit card to First National Bank of Omaha. This new bank added hundreds of dollars in late fees and put my account into collection only 9 days after my original payment was due. My payment was "late" because BofA cancelled it! First National Bank of Omaha is extorting me for money I do not owe...this is a scam...do not trust either bank. If you have rewards use them up and close your accounts!

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Reviewed Nov. 30, 2022

Complaint against Bank of America **. I opened an account on October 19th informing me that my credit card was on the way. I then received a confirmation email on the November 4th informing me that my balance transfer request was approved and that the transfer would take place between 2-4 business days. I received an additional email to inform me that my balance transfer was processed on November 7th falsely informing me that my balance transfer would be completed in 2-4 business days.

I have since made numerous phone calls to a variety of phone numbers that have been proven to be incorrect numbers. These numbers were called on November 14th. Over the course of this time period I have made 4 separate phone calls as evidenced by receiving 4 different verification codes via text message (one for each phone call).

I spoke with Cianna first who asked for the following in order to get into my account:
-social security number
-date that my account was opened
-cell phone number
-corporate association (via multiple choice)
-property address (via multiple choice)
-sibling property address (via multiple choice)
-vehicle color (via multiple choice)

-I was then asked to hang up and call them back in order to verify the account

I then spoke with Christine who instructed me to provide:
-phone number
-authorization code
-instructed to contact my original debt holder to make sure they could accept an electronic transfer

-claimed that my original debt holder does not accept electronic transfers from other banks. This was proven to be false as my original debt holder provided me with a routing number and an account number for Bank of America to send the funds to.

I then spoke with Ivan who stated that the balance transfer request was sent on the 4th of November and that it would be 2-4 business days for the transfer to be completed. He then claimed that USAA had processed the transfer. This was easily proven to be false upon looking at my USAA account balance and observed that the debt was still present on the account.

I was then told by another Bank of America employee to wait 48 hours while the new balance transfer took place because he put a stop payment to the one I already had out. It’s been over a month at that point and I just want my transfer to go through…like every other bank in the country is able to do…but somehow a bank that’s one of the largest in the United States is unable to do.

On November 22nd I spoke with Matthew who then placed me on hold before transferring me to a balance transfer specialist. I then spoke with Shamara who stated:
-that the balance transfer had been completed (Incorrect. According to USAA account balance that was checked after she made this statement.)

-She then inexplicably attempted to process my balance transfer as a cash advance.

I then spoke with Greyson who stated:
-that she changed the cash advance into a balance transfer

-told me that it would take another 2-4 business days for the transfer to go through

Between all of these phone calls I was placed on hold for over 2 hours over the course of the 6 phone calls that were made. 11/25 spoke with Alicia. 11 minutes

-check arriving by the 8th

11/26 spoke with Brooke 29:42
-funds released on Wednesday
-2 errors cancelled

-should be completed by the 8th

11/28 spoke with Peijay
-stated that they couldn’t verify my account with the phone number that was on file
-this number worked the other 6 times I called
-had me hang up and call back
-sent out the check 4 times

-L2894253 tracking number sent out the 22nd

11/28 Spoke with Raven

-stated that the check will arrive on the 3rd latest by the 8th

I feel like I am being deceived as the service that they advertised and approved me to receive a balance transfer of $4,260. 11/28 Contacted Betty ** Resolution Specialist, Regulatory Complaints, Bank of America, Phone: 877.430.1431, ext. **, C**
-left message on voicemail
-2nd phone call, no answer
-called back and stated that she would do “research” on the issue

-stated that the timeframe for resolving this issue would be 15-30 days

USAA Response
-spoke with Laquana **
11/28 spoke with Mike Chandler A7
11/28 Vanessa 17 minutes
-stated that check wasn’t received
-on hold for 20 minutes after

-spoke with Scott 24 min hold

1-877-ASKFDIC (877-275-3342); Option 2

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Reviewed Nov. 7, 2022

I was a customer for 15 yrs. Always paid bills on time. Once or twice late. One or twice carried balance over. Redeemed my reward points. 15 days later on Halloween go figure. They canceled my accts. When I called given no info. Rec'd letters saying it was a business decision. They claimed I was too high risk. So I guess if you have excellent credit, pay bills, receive rewards, you are a risk so if you're a dead beat get their credit cards. If you have good credit stay away. They are doing something must be illegal. They sure are run by fools. No answer and won't correct their mistakes.

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Customer ServiceStaff

Reviewed Oct. 18, 2022

First of all, they will only talk to primary cardholder who isn't available during banking hours and wait on hold forever for nothing. They gave super low limit after being preapproved! They put a fraud alert on card even though they were told during the phone call they wouldn't accept that charges were legit. Will cancel card soon and replace. At least I could understand the rep. Do not recommend.

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Customer ServiceOnline & App

Reviewed Sept. 23, 2022

I paid credit card balance in full on 9/23/22. Using the app and logged in, I made an error of paying $20888.11 instead of$2088.11. I canceled the payment immediately and proceed with paying the correct balance of $2088.11. The next day, checking my bank account, both sums were taken off my bank. Called BOA, to find out they put a hold on my $20888.11 for 10 business days and will not refund my funds to my bank until 10/5/22. Now I must get loan from my bank to meet payroll and other business obligations. How can they take money for payment that exceeds the balance? Why does it take 10 days to return money that they took in seconds? It looks like theft and I there was no one at BOA to help. Terrible!

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Punctuality & Speed

Reviewed Sept. 8, 2022

Was a three year customer with BOA. WAS NEVER LATE WITH PAYMENT; Last month I was traveling extensively and was late a few days for payment. They flat out refused to reimburse a $29 later fee as a one time courtesy. I closed my account as a result, not that they care; Don't waste your time or money with this stingy ridiculous bank.

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Customer ServicePricePunctuality & SpeedStaff

Reviewed June 27, 2022

I don't miss payments and my credit score is valuable to me due to my business. There was a card I don't use that had a charge come through for $25 while I was in the middle of moving and changing my address and bank. I went online and quickly changed all of my information. They decided to not allow the auto pay transfer and allowed the charge of $25 accrue interest. They never contacted me which I thought was strange. I didn't know there was a payment not going through and they let it run out over 180 days then charged off my account.

I pulled my credit report because I saw my score drop. Found out this happened and called them to make it right. I paid the $80 that I owed them but they still couldn't remove the charge off or help me understand why they never called me as a courtesy. She said to me that they don't have to call their clients as a courtesy and that I should have received a statement in the mail. Unbelievable! Customer service is NOT a part of Bank of America, that's for sure!

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Customer ServicePrice

Reviewed June 20, 2022

I closed this account with zero balance and due to a clerical error in which an employee had to refund me $200 she took $200 from a close credit card and put it in my bank account without me knowing it. Now two month later I get a letter from Bank of America $294.96. I have explained to the credit card manager who says Felix ** that I requested $200 from a closed account to put in my bank account. That is obvious a human error on the bank or their credit card employee. I find that this credit card Word Elite Mastercard by Bank of America is risking the customer credit history with these kinds of mistakes and employee. When you call to complain they just tell you that you owe the ridiculous amount of money when you believed you closed the account with zero balance. It cost them with me at least my business because I closed all my accounts with Bank of America. It is really a shame this way they have to conduct business.

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Reviewed June 12, 2022

I made payment for my credit card and Bank of America said I made another payment. I never made the payment but I took their word for it that I did make it in error. I have called Bank of America seven times this week with no luck at all.

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Customer ServicePunctuality & SpeedStaff

Reviewed May 29, 2022

So, yesterday I received a notice about a disputed charge that dates back at least 2 months, that they need more documentation about. I have an email from one of their reps indicating that they had credited my card back then, and thought my case had been ratified by now. I try and look up that charge on a past statement, but only the last 2 statements are listed on my account online. They're closed today and have limited telephone hours of operation (it's Sunday).

I have 10 days to give them more information, but will need to pay them $5.00 for them to mail me (from TX, I live in NYS) a past statement that is only 3 months old, that reflects that charge. Chances are, even if I pay the $5 charge for the statement, by the time it gets to my house, it'll be too late, and they'll have recharged my the disputed charge, that I thought had been dealt with already. I've never had to pay for a statement like that. Seems ludicrous to me. Actually, I didn't know that, the "Spirit Airlines" credit card deal of 40,000 points free for signing up was through Bank of America, otherwise, chances are, I wouldn't have signed up, I've had issues with them in the past. I have very good credit, I always pay my bills on time.

After calling Customer Service, going through about 10 minutes of prompts, that's when you find out they're closed. The dispute I initiated is valid, yet here I am. They don't give a damn about your time and energy, it's about them not you. Thing with banks, credit cards, mortgages, etc., is that one is thrown in with the rest of unethical garbage out there and expected to fend for themselves, including the customer services reps who clearly have questionable ethics made all the more obvious by their innuendos, clear inaccuracies (that you don't find out about later) and attitudes they present with you after going through their biased A.I System on the phone. Banks are in the business now, of screwing their customers.

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Bank of America Credit Cards Company Information

Company Name:
Bank of America
Company Type:
Ticker Symbol:
Year Founded:
100 North Tryon St
Postal Code:
United States