Bank of America Credit Cards Reviews
- We require contact information to ensure our reviewers are real.
- Our moderators read all reviews to verify quality and helpfulness.
- We use intelligent software that helps us maintain the integrity of reviews.
About Bank of America Credit Cards
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.
Visit www.bankofamerica.com
Bank of America Credit Cards Reviews
Filter by Rating
- (13)
- (2)
- (12)
- (33)
- (838)
Popular Mentions
- 4,937,903 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,937,903 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed Aug. 7, 2026
-0. Constant scams in b of a s name. When of a does call you can't identify them. They call from numbers without id, (illegal!). Reps won't identify themselves. I would call the 800 number. Can't get through automated hell. If I can get a rep don't understand english. Too big a company, too many untrained reps.
Reviewed July 29, 2026
Judy ** 7/29/2026
Bank of America Corporation
100 North Tryon Street, NC1-007-56-06
Charlotte, NC 28255
• Credit Card Account Number (Last 4 Digits): **
• Disputed Transaction Amount: $8,080.00
• Original Transaction Date: May 20th, 2026
• Prior CFPB Case Number: **
To the Office of Executive Consumer Relations,
I am writing to file a formal complaint regarding Bank of America’s failure to properly resolve a credit card billing dispute and the bank’s ongoing refusal to provide necessary account transparency regarding my missing funds. On May 20th, a transaction for $8,080.00 occurred on my Bank of America credit card ending in **. I subsequently disputed this transaction and was told I would receive a refund. Instead of a refund/credit, the amount of $8,080.00 was added as a charge; which shows on my May billing statement under purchases. I have already spoken with the CFPB department (name: Maria Fe **) Client Advocate, along with ** from the escalation department and several Bank of America representatives; with no resolution.
When I requested confirmation of where these funds were sent, Bank of America personnel (** from the escalation department) refused to provide the name of the financial institution or the last four digits of the account where the credit was supposedly directed. She only provided me with an ACH tracking number of ** and insisted that the refund was sent and the charge was applied back to my account. I’ve already called my banks linked to Bank of America several times (USAA and Truist) and neither showed funds received from their representatives. I then directed ** to locate my account where funds were sent to and check to see if there was an ACH error that showed a return, but it is Bank of America’s responsibility to locate those funds.
By withholding the destination account details and failing to provide an Acquirer Reference Number (ARN) or Terminal Trace Number, Bank of America is actively preventing me from locating my funds. I cannot audit my financial records or verify if the money was erroneously routed to a closed account, an old account, or an entirely incorrect third-party entity.
To resolve this matter immediately, I demand that Bank of America provide the following within 10 business days.1. Full Transaction Trace Details: The specific institution name, routing details, or the last four digits of the account to which Bank of America claims the refund was issued.
2. The Acquirer Reference Number (ARN): The universal tracking number for this specific credit card refund so that it can be audited externally.
3. Immediate Credit: If Bank of America cannot provide a valid, verifiable paper trail providing the funds successfully cleared into an account owned by me, I demand that the credit of $8,080.00 be immediately applied directly back to my active Bank of America credit card profile.
Please be advised that a copy of this correspondence, along with all historical call logs, is being forwarded directly to the Office of the Comptroller of the Currency (OCC) and my State Attorney General’s office as an addendum to my existing regulatory tracking. Sincerely,
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed July 27, 2026
Refuse to send paper copies of statements. Fraud department is not proactive. Customer service is horrible. I’d close my account if my bank treated me like this. Helping Dad with fraud report.
Reviewed July 23, 2026
Where do I start. Or how polite should I be? A torturing exercise of button pushes and answering questions to a BOT trying to get a human customer, 20 minutes before I stopped counting. Not very therapeutic. Fortunately a very sweet, honest, knowledgeable person brought down my blood pressure. Apparently the “NEW” software doesn’t allow a fixed payment. It’s fixed, plus minimum payment. OR Pay it all off end of month. Don’t make any big purchases, boats or cars, or use it on a trip. You might be “surprised between billing cycles” and it could be on that trip or driving away in that car. Zero out that paying account fast, LOL. Oh yea, overpay and face chasing down you’re get your money back from BofA. Cheers,
Reviewed July 2, 2026
I received an offer in the mail for an 18 month interest-free Visa. I called to apply. The agent was very nice. We set up the account at which point the agent is required to read the entire policy to me verbatim before I agree to the terms. While she was reading it to me, I noticed where she stated that the interest rate will apply to any balance transfer. I told her that didn't work for me, my intent was to consolidate my debt and pay it off. She said she could offer me a Mastercard that is interest fee on balance transfers. Again, she had to read the entire policy to me before we agreed to the terms. She then said I was approved and we could proceed with the balance transfer. I gave her the first one which she said was approved & expedited. She told me I was required to wait 24 hours before they could apply the second one. This was on Monday and she told me to call back Wednesday to expedite the second transfer.
When I called back on Wednesday, I was told that they were having a problem verifying my identity and in order to do so, I must appear at a branch office, the nearest one being 35 miles away in Asheville. The following day, I drove to Asheville. I spoke with a customer service rep who called the district office. They said the confusion was because there were two applications. I explained what had transpired when I called to apply. Apparently, when she wrote the second policy, she failed to void out the first one. He told me it was straightened out and that I would soon get my card in the mail. He gave me a website where I could check the status of my application.
I checked it every day, and it said "we are checking a few more things and yada yada" I went back to the branch office to try to find out what was going on. All they could tell me was to keep checking the status on the website. Another month goes by. Today I tried to dial customer service, one can't even talk to someone unless one is already a customer. I was finally able to get thru by dialing the new application line. I was able to get an agent who was helpful. She located the right department. I said "Just PLEASE void out my application. If this is how it's going to be with Bank of America, I want NO part of it, Thankyou!" While I was waiting for a determination on this application, I received another offer in the mail from Mastercard for which I could not have qualified because I had a pending application. Bank of America held me up for two months due to shear incompetence.
Reviewed June 27, 2026
Horrible service. There was a charge on my card but they never notified me in any way. My other credit card company reached out to me because my credit score went down. Bank of America let it go on for months without any contact. I have closed that account.
Reviewed June 15, 2026
BofA has deplorable customer service. Just now, I was on hold for 43 minutes. Finally gave up. I do not know why a person has to answer so many questions to get to an associate. It is totally frustrating. I have been a customer with them quite a while but I am really thinking about closing this card. They obviously do not care about their customers regarding this issue.
Reviewed June 15, 2026
I have been a BOA customer for many years with fairly good relations. This past two weeks I have had my credit cards locked causing duplicate orders when the card was unlocked. I am currently on the phone holding again. I have spoken with customer service regarding a purchase that was declined due to my order noting suspicious activity. I was told the card was unlocked so I tried again to use my card and it is still locked. I have been on hold over four hours total TODAY trying to get this resolved. I told the customer service rep that I will be traveling next week and was told that they couldn't guarantee that my card would be usable while traveling. I've never had this happen to me before at BOA. I would give it less than 1 star if possible. Before asking - Yes I have plenty of funds available on my card to use and my credit is good. Customer service doesn't seem to be important any longer.
Reviewed June 3, 2026
I did apply and receive a Visa Blue card for my daughter to use in Spain. She began using it and after a couple of transactions the card was turned off for suspicious activity. All good so far.... One we were aware that the card was suspended. I called the 800-432-1000 number to see what the issue was. I was on hold for 64 minute before I had to abandon the call due to work duties. My Daughter called also and was on hold for 2 hours and got the situation solved and the card was restored to use. Then I called to inquire as to why my daughter cannot see the card on her online banking as that is what the Credit card service stated when I applied. That was a false statement, she cannot access the card on her online banking, only I can. Not good. So you suspend the card and only give one option to phone BOA and hold for hours at a time.
By the way BOA has the worst customer service record of all the big banks closely followed by Wells Fargo. I am seriously considering closing all of my accounts, my daughter's accounts and my wife's and discontinue usage of my BOA credit card accounts. Please contact me asap to try to save this business. I've been a depositor for 30 years....
Reviewed June 2, 2026
After being a loyal customer for over 20 years, banking and using Bank of America as our mortgage lender, I never expected to be so disrespected, dishonored and mistreated. A manager actually hung up on my husband and I after it took us 2 hours to get to speak with her. The claim process is so confusing! I truly don’t know what the current status is, when I try to call it takes 40-50 minutes to get to a representative who usually doesn’t know what’s happening. There are 20+ charges on our credit card for the same company (Uber) that we’ve opened the claim for and there’s a letter being sent as update for each line item. Although BoA had initially credited the expense lines, those have been charged back to us and we don’t know why. Because we’ve had claims before and are aware that the banks first credit the fraud claim amount back to the customers while they investigate.
When we called to inquire about this, it took an hour to talk to someone who couldn’t address our concerns, we asked for a manager (it was already my husband and I on the call). The manager comes on, claims we are somehow trying to con her. We told her we own the accounts and she can use other methods to verify, she says “I’m going to hang up!! I’m going to hang up." We lose it at that point and tell her not to but she does. I called later that day to explain what had happened and how disappointed and disrespected I was - I don’t think anyone really cared because I never got a follow up response. I would like to know what the status of my fraud claim is but don’t have the strength or endurance to call again, this is close to $900 per my calculation and I’m so sad that my husband and I are so undervalued as customers.
Reviewed April 27, 2026
I have held a credit card account for 28 years. My statement this month included a lengthy notice of a pending change to the account agreement substituting an arbitration process in place of my legal rights to take part in various legal actions including class action lawsuits. The notice contained a phone number to call to opt-out of this change within 60 days.
When I called a representative was unable to confirm the account even though I provided from the statement my account number, my social security number, name, date of birth. She said my phone number was not up to date which was true, yet she still was not able to assist. She told me if I travelled to a physical branch of a Bank of America that they could verify the account, and then if I called back within 60 minutes, then she could process the opt-out request.
I travelled to the Bank of America branch downtown where two guys in dark suits that were intimidating worked there. One met me first near the door as if he had a security detail who questioned me about why I had arrived. When I explained, he said to go to the other man who sat behind the counter. He was twirling several rubber bands around his two hands in a nervous manner. When I explained my need, and handed him the paperwork, he said I would have to make an appointment to bring in various documents like birth certificate etc. I said he was crazy and asked if I was in the United States because it did not feel like it.
I offered to cancel my account of 28 years, and he said he could not help with that either. I gave up and left. Finally I was able to call the automated system to update my phone number at which point the automated system finally processed my opt-out request. Whew! A customer of 28 years becomes a rat in a maze. Guess I will call the one person left still working at the Consumer Financial Protection Bureau!
Reviewed April 14, 2026
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.
Reviewed March 25, 2026
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.
Reviewed March 10, 2026
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.
Reviewed March 6, 2026
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.
Reviewed March 1, 2026
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.
The situation escalated after a snowstorm. Although part of the sidewalk was cleared, a significant section directly leading to the bank entrance was not. There was no alternate safe path. I slipped and fell, tearing two ligaments in my knee. Multiple customers witnessed the incident. I later required hospital treatment and will need surgery.
The hospital contacted the police, and the Nassau County Police Department Second Precinct conducted a review. When officers drove by later that afternoon, the sidewalk was still not fully cleared, and the branch was reportedly cited. Despite being injured, I was initially not let inside when I knocked on the door for assistance. I was eventually given a chair to sit outside in the snow. No medical assistance or ice was offered until I specifically requested it.
In addition to the safety issue, there were serious professionalism concerns. Personal account information was discussed openly within earshot of other customers. On one occasion, I overheard staff discussing my personal banking matters after I had stepped away, unaware that I was still nearby. Confidential customer information should never be handled in that manner.
Customer service over the phone has been equally frustrating, with excessive hold times and inconsistent answers across departments. I have spent dozens of hours attempting to resolve issues that should have been straightforward. To add to the situation, my long-standing credit card account (15+ years) was abruptly closed without explanation. I overpaid the account and am currently waiting for a refund of several thousand dollars, which I was told could take up to three billing cycles.
For comparison, I was able to open an account with Chase Bank in under five minutes. I have also had positive experiences locally with TD Bank and Jovia Financial Credit Union. I have filed formal reports and retained legal counsel. My goal in posting this is to make fellow community members aware of my experience so they can make informed decisions. This branch should be shut down, you could tell by the quick turnaround of staffing there’s only three workers, equally as bad and untrained, met with all of them, the supervisor sol should be ashamed of herself.
She’s unprofessional and has no leadership skills whatsoever. She violated my HIPAA by speaking about my account in front of people that we’re waiting online right by the bank tellers' section, not in private place, and making fun of me with Paris. Who really messed up my whole account from the beginning, along with a supervisor, I’ve also met with Luis and love, and they equally are terrible. They show zero professionalism. Everyone who walked in there roll their eyes and complained while walking in there saying that this bank is horrific. Stay far away from it and I’m hoping corporate gets back to me as I have an injury.
Reviewed Feb. 28, 2026
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.
Reviewed Jan. 26, 2026
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.
Well, nothing did and requested the customer service agent to please make sure this happened again. He said he took care of both issues. I did eventually receive the money but was again charged $1k for a zero balance on my BOA credit card. This time I was going to ask for reimbursement because this was obviously something I requested the agent to correct and it wasn’t. BOA’s supervisor, supervisor confirmed with me they can’t and won’t reimburse me for any external fees from my bank. Understand this, for a bank that regardless of negligence or not is know to bend you over if you miss a payment and wants their fees, which are not cheap, gets their money but won’t pay for fees they incur to their customers for their negligence.
The first time I understand but don’t, the second time? Hell no. This is their policy. If you have ever had BOA don’t expect them to be held accountable for their actions. I immediately canceled this credit card over $3.25 charges from my bank because of the principal. I have plenty of credit and will take the ding from this on my credit card. Unfortunately, regardless of need, I won’t be using BOA for any financial needs I have.
Reviewed Jan. 20, 2026
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.
Reviewed Jan. 13, 2026
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?
Reviewed Jan. 9, 2026
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...
Reviewed Dec. 22, 2025
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
Reviewed Nov. 29, 2025
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.
Reviewed Nov. 19, 2025
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!
Reviewed Oct. 31, 2025
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.
Reviewed Oct. 29, 2025
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.
Reviewed Oct. 28, 2025
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.
Reviewed Oct. 28, 2025
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.
Reviewed Oct. 21, 2025
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.
Reviewed Oct. 20, 2025
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.
Reviewed Oct. 12, 2025
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.
sarasota fl
Reviewed Oct. 11, 2025
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.
I owed less than $700 on this card. When I paid $97 dollars and got a notice that payment did not go through. I checked bank, money there so resent? Went through, I don't know what had happened, that's the delinquency. I literally paid the card of last week. $700 of $7k, and they felt that I was a loss trend, okay whatever, but then I asked for them to restore the credit limit and he said he couldn't do that I would have to request the increase. Nope! I didn't give you all any reason to believe I would pay, and it was paid off. So just close the account, my credit score already decreased due to the limit change, so screw them. I always say credit unions are the best. I have never had a problem with my credit union credit card.
Reviewed Oct. 2, 2025
Customer service stinks. Long wait times. "There is nothing we can do".... I have explained my issue to them numerous times and nothing ever is solved. I have twice received letters with two sentences (unsigned), which do not make ant sense. GO TO A DIFFERENT COMPANY!!!!
Reviewed Sept. 16, 2025
Paid off the balance. Still charged an interest charge. I spent 31 minutes on hold to first tell me they can waive the charge to then tell me there’s. Nothing they can do. Any other card wouldn’t charged you.
Reviewed Sept. 16, 2025
Bank of America just made it more difficult to make a payment to my BofA credit card. Last week when I wanted to make a payment I simply went to "make a payment". Voila there they were at the top of the list of payees. Simply enter the amount and "make payment." That's it! Now I am forced to look for "pay & transfer" then look for "transfer between my accounts" then "choose account" then "$ 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".
Reviewed Sept. 15, 2025
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.
Reviewed Sept. 12, 2025
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.
Reviewed Sept. 8, 2025
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.
When I called to inquire as to why my account was closed the bank wanted me to apply for another card. Now that’s stupid. I had one! Limiting credit card usage to 30% is straight up ridiculous. I hate Bank of America! It’s a joke. A credit report does not define a person's plan to pay off their account. I will never apply for anything at Bank of America! We could have just froze the account for future purchases, but instead they closed it without any notice. That is piss poor customer treatment! Now you’ve made my utilization rate worse. If I had known how much using my credit cards would decrease my credit score I would not have used them. But it is what it is!
Reviewed Sept. 2, 2025
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.
Reviewed Sept. 2, 2025
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.
Bank of America author review by Danni White
Bank of America is one of the largest financial institutions in the country. It’s a global leader in wealth management, corporate and investment banking and more. Bank of America is very convenient because it offers 4,700 financial centers and 16,000 ATMs. The bank has 32 million online banking users and 19 million mobile users. It has been working with customers for more than 200 years.
Cash rewards: Bank of America offers several cash back credit cards with good rewards, including one for students.
Secured credit card: If used responsibly for 12 months, it’s possible to graduate to an unsecured credit card with Bank of America. The 20.49 percent APR is a little high, but it’s not an issue if the bill is paid off every month.
Credit card for paying down balances: The BankAmericard Better Balance Rewards credit card lets you earn $25 per quarter when you pay more than the minimum amount due, up to $100 per year.
Zero percent introductory offers: Several cards have these offers for purchases and balance transfers. Read the terms and conditions carefully so you know when the promotion ends.
Sign-up bonuses: Many of Bank of America's credit cards offer generous sign-up bonuses if you meet the spending requirements within the time requirement.
Well-designed, user-friendly website: The bank has made it easy to view the rates, fees and rewards for their cards. This makes it easier to understand and choose the card that’s best for you.
Reputation: Bank of America is a trusted name in the credit card industry.
Convenience: It has branches all over the world that are easy to access.
As a member of the ConsumerAffairs research team, Danni White is committed to providing valuable resources designed to help consumers make informed purchase decisions. Danni specializes in content strategy and development, with over a decade of professional writing and research experience.
Bank of America Credit Cards Company Information
- Company Name:
- Bank of America
- Company Type:
- Public
- Ticker Symbol:
- BAC
- Year Founded:
- 1992
- Address:
- 100 North Tryon St
- City:
- Charlotte
- State/Province:
- NC
- Postal Code:
- 28255
- Country:
- United States
- Website:
- www.bankofamerica.com