Bank of America Credit Cards Reviews

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.

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.