Bank of America Credit Cards Reviews

Worst experience ever. DON'T EVER USE THEM EVER. THEY CHARGE finance charges for closed accounts. You call and get transferred and transferred and never get anything resolved. I hate BOA so much. Worst decision ever.

The only reason I have a BofA credit card is because I use the Alaska miles. The customer service is terrible. I upgraded to a card with a higher annual fee and they reduced my credit limit. They randomly denied a monthly ACH to my health insurance company for no reason and I had to contact Humana and tell them to resubmit it. B of A claimed it was “to protect me”. I could go on and on.

LONG hold times. Not helpful. Nonresponsive to fraud claims. While on hold, there's a recording every few seconds telling you that calls are important. Unfortunately, not important enough to answer in less than 30-40 minutes.

I had a balance transfer in November, and BOA closed my account in December before I even got my card, claiming I reported fraudulent activity—which I never did. I couldn’t pay online, they weren’t sending statements, and I had no idea my payment was past due. Then they called me at work—not my cell, even though they had it on file. I paid with my debit card, thinking it was over. Weeks later, I waited 37 minutes on hold only to be told I couldn’t pay with a debit card. Customer service was a nightmare—they wouldn’t let me talk and then tried to lecture me with, “If you’ll let me explain.” Bottom line: Avoid BOA. Terrible policies, worse service, and zero common sense. There are countless other banks that don’t treat customers like this.

I strongly advise anyone in the Oyster Bay area to avoid the Bank of America branch in Oyster Bay. My experience began with opening a checking account, which was mishandled from the start. The process took over an hour, mobile banking was not set up properly, and my phone number was entered incorrectly, preventing me from accessing security verification or speaking with customer service. I had to return the same day, then again the following day, to correct ongoing errors. No proper notes were entered on my account, forcing me to repeatedly validate my identity in person.

Worst customer service ever. You wait on hold for 30 to 40 minutes for them not to help you and tell you that you have to pay your bill online which you cannot pay your bill online. It's just the total mess. Would never Bank here again. Unfortunately I've been with him for 20 years and definitely.

First off, I would like to say that BOA credit card promotions pulled me through a tough financial time. They were great and didn't have an issue. Until...I had a zero balance. Their autopay continued charging this monthly amount of $1k. I was understanding on this first one because BOA does not have a simple autopay rule and their payment setup is more complex than it needs to be. Whoever approved or put it together could care less about the end user, IMO. Because the cost was minimal to me, $2 from my bank, I wasn’t concerned about the fees I was charged but waiting 7-10 usual business days was a pain. What if this was financially causing me issues? It could have been a situation to not pay something I had money for but didn’t because of this.

I had auto pay turned on and I made a payment early. They processed the payment but did not change auto payment amount so when that was due they took the entire statement balance not including the $19,000 early payment out of my checking account. This caused my bank account to go negative so now I am being charged overdraft charges from my bank. I reported the issue over 7 days ago and as of today they have not processed the refund and told me it may take another 10 days to process. No other card I have handles auto payments this way. It is the worse credit card to own.

Bank of America kept denying my credit card. I called them three separate times and they said they couldn't figure out why this was happening. Eventually the only resolution they could offer me was to tell me not to use the credit card. That's it. That's all they've got. How bad is that?

If I could give 0 stars I would! In early December I paid off my card and ended up overpaying $39.00. The following month (Jan 2026) they did an automatic payment of $95.00. I called, after waiting 45 minutes on hold, and I asked why my bank account was debited $95.00 on a 0 balance. APPARENTLY if you are enrolled in autopsy, your account keeps deducting from your bank account until you STOP autopay. WHAT!?!? So after all was said and done they said that I would need to call back once the payment posted and they would cut me a check for the overpayment and I should receive it in 10 to 14 days. So I did call back the very next day. THEN! The very.. next.. day..I get an email saying I have an amount DUE of $17.74!!! For interest on the balance of my card, which if you didn't catch, IS 0 DOLLARS!!! I am beyond livid....I will be making ANOTHER call again today...

Trying to use my rewards money at Amazon. It let me use it before at Amazon and now it won't. I called and asked for help. She said it could only come as statement credit or check. What the heck? Why it still shown as an option? The app often has a bug. I'm not satisfied at all and the representative had no clue

B of A made changes to the terms of service in the middle of the year. I had to option to cancel the card or accept the new terms. I was on the fence about what I would do but they made the decision for me. In October, I attempted to use the card online, but the charge was denied because of wrong security code. I attempted the charge 3 times with all 3 results denied because "I entered the wrong security code". I did not enter the wrong security code even once, much less 3 times in a row. That made my decision to decline the new terms.

I am a 46 year customer. I was charged $223 for a purchase I didn’t make. I never charged the items Walmart said I charged and I never received the merchandise that Walmart said I received. Bank of America rejected my claim. This is a terrible way to treat a customer of 46 years!

Just one word.. Do Not Use B of A Credit card! Their website is 'Terrible' compare to other on-line banking sites. B of A Credit Card on-line banking definitely needs 'better' programmers!! On-line view is terrible, doesn't even show 'pdf' correctly. I missed a payment just 1 day first time ever in the last 4 years, but 'no mercy'... We're done with B of A Credit Card.

I applied twice for a credit card with Bank of America in less than a year, despite having a good credit score of 740. The first time they didn't respond. The second time they sent me a letter telling me to call a phone number. I called, they asked me many questions, and told me they would respond within 30 days. Seventy days have passed and they haven't responded, and I ended up with two negative marks on my credit report for having applied for that card.

Although I am generally very happy w/ Bank of America (BoA), I recently experienced the inability to receive a purchase refund credited to my credit card. If you use third party pay services, e.g. PayPal, return an item, the retailer sends the refund to PayPal who sends it to the card issuer. If for some reason that refund never makes it to a BOA credit card account - even with proof that PayPal sent it and BoA processed it, BoA says "we are unable to track incoming refunds from a third party company. I've used PayPal for 15+ years with my BoA credit card and never had a problem until now. My refund never posted and because the bank cannot track incoming refunds - even with PayPal proof it was sent - no refund will be made. It was probably an isolated incident. I am now mindful of any large dollar purchases using PayPal that just might have to be returned in case this could ever happen again.

BofA just changed their system of downloading transactions to Quicken. Talked to Quicken Customer Support this morning... Once I told her my problem, she asked if this is a BofA account... Obviously a lot more people are having this problem. All my other credit cards work seamlessly. BofA Visa used to. Makes me want to cancel my BofA card.

I was a card holder for over 14 years, I always paid my card in full every month. BOA changed me to paperless billing without notice and I had a $27 charge that was 4 days late paying past the grace period since I never knew about the bill. I paid it immediately but BOA thought it would be okay to post me as a 30 day delinquent on my account. My credit score went from low 800s to the mid 700s do to this great customer relationship. I called and was told nothing could be done. I called again and was told they would fix it. Just received a letter telling me it stands late. I cancelled my relationship with them and moved another account as well. I will never do business with them or tell any of my R.E clients to do business with them again. My Case number was ** for an account ending in 5634. Shame on BOA to hurt a 14 year clients credit over such a minor issue.

I’ve had a checking account with Bank of America for years several years ago. They offered me a credit card. I paid the card off years ago and kept it as a back up for an emergency like many people do. They recently closed my account for the most obtuse reason that made no sense. If it wasn’t such a hassle, I would drop my whole account with them and not work with them any further because they do people wrong without cause.

The absolute worst organization in the banking industry!!! Don't deal with them! I closed my credit card account a couple months ago... And they are still pestering me with bs emails😡. They could qualify as stalkers.

I had a $7k limit credit card. One day in the app, I noticed it has dropped to $700. It's horrible trying to get customer service, no number, I had to start a virtual chat then got a representative who could not tell me why, just that I got a letter explaining at address on file. I travel with job so I had to wait to see this letter. This letter stated that after careful review of current economic and loss trends, and a current or past delinquency they came to this decision.

Customer service stinks. Long wait times. "There is nothing we can do".... I have explained my issue to them numerous times and nothing ever is solved. I have twice received letters with two sentences (unsigned), which do not make ant sense. GO TO A DIFFERENT COMPANY!!!!

Paid off the balance. Still charged an interest charge. I spent 31 minutes on hold to first tell me they can waive the charge to then tell me there’s. Nothing they can do. Any other card wouldn’t charged you.

Bank of America just made it more difficult to make a payment to my BofA credit card. Last week when I wanted to make a payment I simply went to "make a payment". Voila there they were at the top of the list of payees. Simply enter the amount and "make payment." That's it! Now I am forced to look for "pay & transfer" then look for "transfer between my accounts" then "choose account" then "$ amount" then "frequency" then "next" then "make payment". Some pinhead must have gotten a promotion and has the need to prove them self worthy of the promotion. RIDICULOUS! "If it ain't broke don't fix it".

I have this card because there is no international transaction fee. I have never been happy with their 'service'. The latest fiasco is my daughter was trying to use her card with her name on it to buy a train ticket. The card has worked before. Today it was requesting a code. Luckily I was by my phone and able to provide her the number so the transaction would go through. I called B of A. They said there was nothing they could (or wanted) to do. Add her number? Nooo has to be primary card holder's number. Eliminate the need for a code? Nooo we can not do that. I have never been pleased with b of a. I am going to get a different and suggest you do the same.

Absolutely the worst corporate card. I may quit this job so I can get a different corporate card. Hundreds of numbers, a PIN, and the worst customer service. Would never bank with them, hate my company for using them.

Never late on a payment but my credit card account was closed because I used my available credit. Why offer the credit if I can’t use it? I had every intention of paying off my account with the next year and a half—but account was just closed without any notice. That’s piss poor customer service. I’m not late on any account but because I used my card to celebrate my 65th birthday by throwing myself a big party and went on a few trips my account was closed. This whole credit thing is ridiculous. No more cards for me. Offering you credit lines is a joke. You’re penalized for using them.

They decline most transactions while I am literally in a store waiting. So called and now on hold 20 minutes waiting to buy stuff. Look like a fool waiting. Unacceptable. Cancel this card. Get a United mileage card. The best.

I’ve had enough of this card. I had BOA card in the past. It’s been a few years ago. I’ve never had anything like this. Constantly having issues. It’s unreal. Left stranded coming home from my travel job in the middle of nowhere for something they did wrong on my account. Thank goodness I had another credit card with me. Constantly getting rejected when I’m at a place or trying to purchase when my account is in good standing not over my limit or anywhere near it, it will say rejected or “unable to process”. The automated system just said “payment not due” when in fact it’s due in a few days from now. I don’t trust them so I made payment anyway. Can’t find things on the website that I need to change my new payment so it automatically charged my old account so I had to cancel and credit and redo over the phone instead of online. Can never get ahold of anyone. Takes forever…. List goes on and on.

I kept a zero balance for almost a year, only to wake up one day and see my credit score drop 63 points over a measly $52 that I was never once warned about. No call, no text, no reminder. Just a silent hit to my credit that will haunt me for years. This bank hides behind “customer service” ads while in reality they are nothing but predators. They knowingly sit back, wait for the smallest slip, and then punish their clients in the harshest way possible. They save money by cutting statements and refusing to pick up the phone, yet have no problem reporting you without hesitation. This bank is the very definition of greed and cruelty—a machine that feeds off destroying the people it pretends to serve. They don’t see human beings, they see dollar signs. Families, careers, lives mean nothing to them. They profit off pain, and they do it without an ounce of conscience.