Bank of America Credit Cards Reviews

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.

If I could, I would give zero Stars for the BOA credit card department. I have dealt with a case from Jan 2025-June 2025. I was billed for something two times when I should only be responsible for the one service I received. The case has been in and out of disputes 4 times after spending endless hours on the phone being passed around - improperly being transferred, communicating with employees that cannot speak or understand English - It has been a nightmare.

When I try to dispute, it took over 15 days to even review. I called to complain to the Associate who responded, "they should have already done that." It went passed my monthly statement which was 15 days later. After the complaint, they reduced my credit to 1/3rd. This causes my credit score and FICO score to go down. My app won't even accept payment for rest of my account. I called three times and was told your bill pay was reset so you can use in three days. Still doesn't accept my bank for my new account but is still there for my old account.

I’m 62 years old and I can honestly say dealing with Bank of America Credit Card is the most frustrated I have ever been in my entire life. If you have a fraud event, they make you come into a branch and then they often make no note of it and make you come in again and again and again. They are beyond incompetent. Go to American Express where customer service is taken seriously!

I made a purchase with my Bank of America card to a company called get your guide. It was for tickets to the High roller bar in Vegas. Come to find out they were a scam. I did a dispute with BOA and the next day a credit came back on to my card, we thought it was from the company who scammed us, and it was a provisional credit from BOA but never stated who it was from, so we were happy that we saw the money returned and we closed the dispute, the next day the charge was put back on to our card by BOA and I called them they told me I have to do another dispute, and this time they need all conversations with get your guide and a copy of the statement and other paperwork that I went and printed it all out and sent it to them.

I applied for a credit card with Bank of America to be used with Alaska Airlines. It was a time sensitive offer for $300 plus companion savings. I went online to set up by account. After being approved, the website would not let me set up automatic payment. I called and the representative said my account was flagged as suspicious activity so it was temporary suspended. I explained I tried to use the card for an online purchase since the digital card was sent to me online and said I could use it. He said I should wait until I receive the physical card.

I am refuting a charge on my BofA CC. I have received no help from the BoA. No one to talk to, they keep referring you to representatives that don't get it. After 5 phone conservations with BofA people that don't care about loyal customers. I am done with the Bank. The last person I talked to (after my totally upset call) was, "have a good one."

Title: Disappointed After 17 Years – Loyalty Means Nothing. Review: I’ve been a Bank of America customer for over 17 years, and I’ve never felt more frustrated and unappreciated. I have their Cash Rewards credit card, which barely gives any worthwhile rewards anymore, especially compared to what other banks offer. I asked for a product upgrade to a travel or miles card, but was told it wasn’t possible—no solutions, no flexibility, just a flat-out refusal.

I was a good customer of Bank of America for 30 years. This past year I made a purchase on my credit card and got scammed by the vendor. Item was not what I ordered. Bank of America denied my dispute despite my proof that I returned the item per vendor's requirements. They fought with me and I finally paid off my card and canceled it. I will never do business with this bank again!

I was given a rented car whose front bumper was held on with a few rusty old sheetrock screws. The car was parked nose in to a fence, I didn't notice. The documentation is many pages and is so clear I was in the right. Even Budget knows I am in the right, they refunded the $148 claim that was directly through them. This proves that they know I'm in the right. I asked Budget Rent a car why they didn't tell me this before they gave me the car. The reason is because if they made me aware of this I wouldn't have rented the car. The reason I use a credit card is to protect myself in case something goes wrong with a purchase. The Bank of America is 100% clearly wrong here. Even Budget Rent a Car knows I'm right. I will not leave this. I will not give the Bank of America any business ever again. I will be certain to post this wherever I can.

Had this card for several years. I did a balance transfer last year of $15,000 and paid it off six months early. Right after I paid it off, Bank of America canceled my card and locked me out of my account. No email warning me, no way to tell until I waited on hold for 40 minutes to get connected to a rep. I was told my account was closed for high credit card utilization, derogatory statements on my credit, and late payments, none of which is true. My credit score is in the 700s, my utilization is under 10%, no derogatory statement and 100% timely payments. Obviously a mistake on their end. But Bank of America would not own up to it - just a, "sorry, there's nothing we can do." Terrible management and customer service. I would expect this from a rinky dink credit card, but not from a major US bank - though I can tell from their reviews, less than 2 stars, I'm not alone. Shame on Bank of America.

Absolutely disgusted. Needed to dispute a charge. I did not receive an online order. MONTHS of calls and back and forth from this credit card. I have been with them for 25 years. I have an 800+ credit score. I pay my bills on time. Spent hours on the phone dealing with people. The last person actually told me to disregard the letters sent to them in the mail. To also disregard what the last agent informed me of. He refused to let me speak with a supervisor after making these claims. Utter nonsense. Put me on hold for 30 minutes when I asked for a supervisor. Then told me I needed another department.

I have had a credit card account with Bank of America for decades, with no real problems that I can remember. I have had a spotless record with them and built up a large credit line. This year, I had a billing dispute with a ticket scammer, and BOA failed miserably to protect my interest. They failed to investigate my claim, simply taking the "merchant ticket scammer's" word that the transaction was legitimate. I was planning to buy tickets to a performance by Shen Yun, a Chinese cultural show I had seen advertised for years. I went on the Shen Yun website several times to check out show schedules and ticket prices. When I decide what show I wanted tickets for, I went back on their website - or so I thought - but I accidentally clicked on a different website also advertising Shen Yun tickets, and that website looked identical to the Shen Yun website, but it belonged to a well-known ticket scammer.

I’m well aware banks can close your account on any whim they may have, having said that their poor excuse for closing it was disappointing as well as pathetic. My card was paid off which I assume is what the bank does not want, but that wasn’t the reason, it was due to their view that I had too much revolving credit…which I don’t…but that’s not their concern. In my opinion I would avoid this bank unless you're willing to please them by carrying an enormous amount of debt and pay small amounts over a long time.

I got a corporate card through Bank of America and nothing ever worked. Their website to activate the card was constantly having problems, the phone line to call and set it up disconnected me multiple times and it took me hours to activate a single credit card. The level of incompetence demonstrated by Bank of America is nothing short of criminal.

The credit card does not allow autopay or setting up a fixed amount payment. The credit card website is very confusing, and it's very hard to find anything like setting up a fixed amount pay or anything. Customer care is very bad. You have to wait for a long time. Their password setup is also horrible.

I set up auto pay. It worked. But, for some reason, BofA missed a month. My bank account had plenty of funds. They didn't communicate the missed payments. Then they charged me fees, interest over 2 months, and gave me a bad report on my Credit Rating. I called them. It was a pain. They were not helpful. Sigh.

Awful. Terrible customer service. I was a customer for more than thirty-nine years. I opted for paperless. They used an old email to send a statement on an account I thought had a zero balance. The balance was nineteen dollars. The email kept bouncing back to them. They never used the backup email on record. Instead, they reported my account as sixty days late and my credit score dropped seventy-five points. First then, I received the letter and called. After being on hold for more than thirty minutes twice, I finally got a person in TX. When I asked why they did not use the backup email, or call or send a letter, I was told - they have thousands of customers. They don't do that. I am working with both credit bureaus who agree with me that this is ridiculous. My credit score has always been excellent.