Bank of America Credit Cards Reviews

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.

I booked a hotel with Trivago and never received an email confirmation. I have dealt with the third part booking without resolving the issue. They never booked my hotel room. Bank of America won't refund the charge. I have already booked with another company. Customer service is terrible.

I called to activate a credit card. I was on the call for 40 minutes, the foreign lady was asking me the address of the house across the street, kept putting me on hold. At the end of the call she said it couldn't go through & try back in 24 hours. I called another number for existing card holders & fortunately that was done in 5 minutes. I've never experienced anything like this to activate a card. Reading through some of the nightmares here, I will be dumping it as soon as possible. I had a bit of storm damage so that's the only reason I needed the special zero percent.

Charged interest on my card that was paid off ahead of time. I always pay in advance but in May, they started not counting payments made if they were not made in a select window and did not count them towards the balance due. I have paid over the balance due every month and am being charged interest as if I didn't pay at all. They said verbatim "sorry if this is an error but we will not refund you". Absolutely ridiculous and will be cancelling my card today.

No stars! I paid a huge sum to pay off my credit card a week days ago leaving a zero balance. I asked them to immediately close the account because this card is a rip off. I log onto my account today and discover not only did they not close this account but charged me an additional $250 on a zero balance and the account was not closed as I asked. I had not charged anything. Long story short, I now have to pay an additional $250 for interest on a zero balance. Anybody reading this DO NOT get a credit card with BOA. I will be closing my account as soon as I can get set up with another bank. THEY ARE HORRIBLE!

Bank of America bank does not protect their customers when disputes or issues arise. Beware when using their credit card services as they do not safeguard your account from fraud. They just lost my business due to their negligence.

Every time I pay off my credit card I get charged an additional interest fee. I recently paid off ALL of my credit cards. After they took an additional $27 I had a credit of $42.42. I called and requested the refund which I got then I get a bill for $18 for more interest. I spent 2 hours on the phone waiting for someone to pick up the phone. This morning I was on the phone for 2.5 hours waiting for someone to pick up the phone. I will NEVER use a BOA Credit Card and I will make sure everyone knows what a joke their customer service is.

I have been a loyal Bank of America credit card holder for over a decade, maintaining an impeccable payment history and a credit score of 819. Recently, I had to take an emergency flight to Arizona to be with my father. During the flight, I purchased an $11.42 breakfast, believing it had been charged to my Chase card on file. After returning home, I promptly paid my Chase balance in full, not realizing that the in-flight purchase had actually been charged to my Bank of America card.

The customer service is the worst I’ve ever dealt with. Automated system is a nightmare. The after jumping through all the hoops to get to actually be put on hold made a complete breakfast while on hold and hung up without talking to anyone just to eat. I guess BOA thinks its customers don’t deserve decent service. All this for a simple? About my account. Horrible, horrible customer service.

Bank of America is by far the worst credit card company. We were customers for over 10 years and when we had an issue due to their app they were absolutely no help whatsoever. Over the entire period of time having the card, never missed one payment and when their site messed up we were not notified of a late payment until it was on our credit report, never received any notification from them at all. TOTAL SCAM COMPANY.

Terrible autopay process possibly purposeful to exploit fee system. There is no reason their app and website is so terrible if not to exploit consumers for the fees. The app is constantly shoved in my face when I need help yet I'm told I need to use the online version and I was not set up in things properly. It is insane. Chase is so easy to use on the other hand, Amex, even my internet and electricity company are better managed, would not want BofA to even manage the website of a lemonade stand.

I have a Bank of America credit card, and while it functions as any CC does, you cannot enable an autopay series for anything but the bare minimum payment due or the full balance of your card. I called their service team, and they confirmed this is the case. You CAN issue one-off payments manually, but let's be real: who has time to do this every month? Ultimately, what it does mean is that even when you're current on your bill, you're likely to hold a higher balance for longer, which in turn means higher interest charges and thus more revenue for BoA. I find it incredibly difficult to believe this is not done on purpose, and it's just an insanely outdated system and malicious.

Pathetic service. Been a customer for 25 yrs but now definitely jumping ship. Online purchases using BoA Credit Card is a real pain. They typically need additional verification... Normally I would say this is good. However their process takes 1-2 hours minimum. I recently wasted so much time on phone with them to validate a $30 purchase, and finally ended up making the purchase using Chase Credit Card.

I activated a new credit card and left it at my house. Unfortunately at the same time numerous contractors were there doing work for several days. An unknown person took my card, used it for $220 and returned it the next day. I had no idea it was used until I got my first statement. I charged approximately $1,200 of valid charges. Bank of America refused to credit my account for the $230 even with a different person on video and a different signature! If you ever have a fraud complaint, good luck! Find a more trustworthy bank!

My credit card account was closed without feasible cause or explanation. It showed a late payment that I had accidentally used a recently closed checking account number. I spoke to a rep and she ended by saying it was fixed. I called to ask what was going on, the rep said he didn’t know and that they never reopen an account after closing it. I have NEVER had this happen and I’m 68 years old!

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.

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.

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.

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.