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Written by
Nouri Zarrugh
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.
Edited by
Brooklyn Lowery
Brooklyn Lowery is a Senior Editor on the Bankrate credit cards education team where she focuses on helping everyday consumers leverage credit cards as powerful tools in their personal finance toolbox.
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Bank of America has plenty of attractive credit card options, whether you’re an existing Bank of America customer looking for a card to pair with your checking account or are interested in a lucrative cash back card.
Before applying and generating a hard credit pull, consider pursuing a prequalified offer. Especially for borrowers with average-to-good credit who aren’t sure whether their application will be approved, the preapproval process is a great way to see if you qualify without hurting your credit.
You can see if you prequalify for Bank of America credit cards through Bankrate’s CardMatch tool or on Bank of America’s website. Read on for more advice on the preapproval process, plus a look at the best Bank of America credit cards for prequalified offers.
It can be frustrating to apply for a credit card that meets your needs only to have your application rejected by the lender. Not only does a rejected application mean you won’t be able to open that card, but it can also ding your credit score by triggering a hard pull.
Luckily, many lenders allow prospective borrowers to prequalify for cards that match their credit profile. The preapproval process triggers only a soft pull, which won’t hurt your credit. While getting preapproved isn’t an absolute guarantee your application for a credit card will be approved, it’s a strong sign that the lender is willing to approve it.
Many lenders allow you to see if you prequalify for a card on their websites, and you can also use Bankrate’s fast and easy CardMatch tool to find which cards you may be prequalified for and unlock special offers.
Bankrate’s CardMatch tool takes less than 60 seconds to use and quickly matches prospective borrowers with credit card offers that match their credit scores and borrower profiles.
To get started, you’ll need to fill out a few quick personal details, including your name, address, phone number and Social Security number. Once you provide this information, Bankrate will display card offers from top credit card issuers like Bank of America.
These offers are custom-matched to your unique borrower profile, which increases the likelihood that your application will be approved. You can find more information in Bankrate’s guide to how to use CardMatch.
You can also see if you prequalify for a Bank of America credit card on the bank’s website.
If you’re already a Bank of America customer, you can sign in to your online account to get personalized recommendations and offers. If you’re not already a Bank of America customer, you can continue the preapproval process without signing in.
For customers who don’t already bank with Bank of America, you’ll need to provide some basic information about yourself, including your name, address and Social Security number.
Bank of America will ask you which types of credit cards you’re interested in, including cash back credit cards, travel rewards credit cards, balance transfer cards and cards for building or rebuilding credit. You can then view personalized offers, review terms and details and apply online.
There are a few other ways to prequalify for Bank of America credit cards.
The best credit cards from Bank of America have competitive rewards, intro APR offers on purchases or balance transfers (or both), great perks and low fees. Here’s a look at a few options you may see as a result of the preapproval process.
Badge Best for cash back
