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  1. #1
    Green Member amexatlast's Avatar
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    Question How hard is it to get a Bank of America credit card?

    I was recently approved (last week) for a Gold Amex Delta Rewards card. My credit story can be found here in the Amex forum and I go into detail about my current credit situation.

    I don't have any unsecured Visa cards in my wallet and was wondering if this BankAmericard Cash Rewards Visa card is easy or hard to qualify for and get approved? Currently I'm a Bank of America customer with 3 bank accounts (since 1995) and not sure if this would aid me in qualifying?
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  2. #2
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    I think you will should be approved for the BoA Cash Rewards cards. The fact that AMEX approved you is a good sign. You did mention in your other thread that you had a few "mishaps"; and I don't know how many inquiries or derogatory marks you have, nor do I know your AAoA.

    I've heard that the Cash Rewards card isn't extremely difficult to get. I have a friend who got approved for the regular version of the card with an AAoA of like 8 months. Keep your UTIL low to maximize your score, and go for it!
    AMEX BCE ($12500), Citi Forward ($3300), Discover IT ($2250), BoA Travel Rewards ($1800)
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  3. #3
    Green Member amexatlast's Avatar
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    Thanks for the advice. I went ahead and applied. Not instantly approved but it said something along the lines of "Your account requires special consideration. We will notify you of our decision via postal mail within 30 days." I take that as a no unless they have to manually review my application. This is similar to what happened with the Amex. I was approved by them two days after I had applied.

    Saying a prayer and crossing fingers.....
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  4. Centurion Member bisbicos's Avatar
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    The real question is why would you choose to do business bank of America
    Credit Cards
    American Express: Fidelity Rewards (2% cash back) 9.5k
    Zync NPSL
    Discover: Discover More (5% rotating categories) 12k
    Mastercard: Chase Freedom (5% rotating categories) 4.6k
    Visa: Citi Forward (5x pts on restaurants) 15.7k
    Citi Dividend (5% rotating categories) 5.6
    Capital One Journey (1.25% cash back) 1.25k
    BofA AAA (5% on gas) 2.5k
    PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

    Future Cards
    US Bank Cash +
    Chase Ink
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  5. #5
    Green Member amexatlast's Avatar
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    Quote Originally Posted by bisbicos View Post
    The real question is why would you choose to do business bank of America
    Great question! I ask myself this *&^% all the time. I guess because of account history and I don't pay a dime for any of my accounts. My fiance does not like my bank and wants me to cross over into Wells Fargo once we are hitched. My employer also has a decent in-house credit union I might look into Also I heard BoA is going to block customers from purchasing amo for their firearms with their debit cards WTF? Even more reason to leave, but that's a whole other subject & I'm not going to even tap into that here for the sake of peace.

    I figured being a current BoA customer would help my chances of being approved. Time will tell.
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    Quote Originally Posted by amexatlast View Post
    Great question! I ask myself this *&^% all the time. I guess because of account history and I don't pay a dime for any of my accounts. My fiance does not like my bank and wants me to cross over into Wells Fargo once we are hitched. My employer also has a decent in-house credit union I might look into Also I heard BoA is going to block customers from purchasing amo for their firearms with their debit cards WTF? Even more reason to leave, but that's a whole other subject & I'm not going to even tap into that here for the sake of peace.

    I figured being a current BoA customer would help my chances of being approved. Time will tell.
    Moving from BofA to Wells Fargo... both of them are horrible banks. As for not letting you buy ammo, well, that right there would give me every reason to never do any business with them.

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  7. #7
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    Quote Originally Posted by kcarter609 View Post
    As for not letting you buy ammo, well, that right there would give me every reason to never do any business with them.
    There's no way for the credit card issuer to know exactly what someone buys unless the merchant tells the credit card company (for example, flight details) so this isn't going to happen. What may happen are restrictions on interstate ammo sales, but that's not a credit card issue.

    BofA cards are run by their subsidiary FIA Card Services. My favorite card from them is the Fidelity Amex, which offers 2% off everything, but it's an Amex which limits acceptance. (They also offer a Fidelity Visa, 1.5% off everything.)

    As for the BofA card, 2% off groceries and 3% off gas is OK. I have that card because my bank (Fleet) was eaten up by BofA.
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    Quote Originally Posted by kcarter609 View Post
    Moving from BofA to Wells Fargo... both of them are horrible banks. As for not letting you buy ammo, well, that right there would give me every reason to never do any business with them.
    For checking and savings accounts, I don't know why people don't use internet banks. Much better rates, and easy to use (opening is sometimes harder than just going into the branch) but there are tons of benefits.

    Re ammo: well, as a non-citizen, I don't understand the pro-gun viewpoint at all (it literally makes no sense to me given relative figures for gun-related homicides for example), guess you need to grow up in the US to absorb the culture that makes it apparently fiercely meaningful.
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    Quote Originally Posted by silver6054 View Post
    Re ammo: well, as a non-citizen, I don't understand the pro-gun viewpoint at all (it literally makes no sense to me given relative figures for gun-related homicides for example), guess you need to grow up in the US to absorb the culture that makes it apparently fiercely meaningful.
    That's because you fail to see the other side of it. Guns will be in the hands of criminals no matter what the law says, since they don't care. Look at Texas's violent crime statistics, over 60% below the rest of the US because EVERYONE carries a gun there, so hardly anyone is dumb enough to try and murder/rape/whatever. Put people in a place where guns are banned and they will fear nothing and do what they please.

    I don't meant this in a rude way, so don't take it that way, but you need to open your thinking on the subject a little more instead of just listening to all the liberal bull**** the media spills

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  10. #10
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    Shouldn't hard at all. I had a Platinum Plus Visa in college - platinum just for the color, not for quality of card! - but closed once they put an annual fee on the card back in 2010. I decided to give them a shot again and opened the BankAmericard Cash Rewards with no hitch. Got a $5K limit with 0% intro-APR which goes to 14.99% 15 months from now. Card is pretty good and is a Visa Signature card. BofA is pretty generous in letting one open accounts with a fair-good credit rating.
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