How To Get Bank Of America Pre Approval Credit Card

How To Get Bank Of America Pre Approval Credit Card
How To Get Bank Of America Pre Approval Credit Card

A pre-approved credit card from Bank of America is a credit card offer that the bank has extended to a specific individual based on their creditworthiness and other financial factors. The individual has been pre-approved for the credit card, meaning that they have a good chance of being approved for the card if they choose to apply.

Pre-approved credit card offers typically include the credit limit that the individual has been approved for, the annual percentage rate (APR) and any other terms and conditions associated with the card.

It’s important to note that pre-approval does not guarantee final approval for a credit card. Final approval will be based on a review of your creditworthiness and ability to pay, and also acceptance of the terms and conditions of the credit card issuer.

How To Get Pre-Approved for Bank of America Credit Cards?

Bank of America has a pre-approval process for potential cardholders, which they call pre-selected or personalized offers. There are several ways a person can be pre-approved.

You can get pre-selected offers via mobile, online banking or in person. If you are a customer of Bank of America, you may see this offer when you log in to your account or be asked if you are interested when you visit a branch.

You can also receive pre-approved offers via email. Like many financial institutions, Bank of America sends pre-selected offers by direct mail. When you receive such an offer, you are given the option of filling out an application – which will be rolled out to you – and sending it back, or applying online, usually with a specific link or code.

If you are interested in a Bank of America credit card but haven’t received the pre-selected offers, you can try to initiate pre-approval using the online tool on the Bank of America website.

This requires you to fill out a short application that requires basic contact information such as your name and social security number. You will also be asked to indicate the type of credit card you are interested in, e.g. bonus cards, balance transfer cards, cashback cards, etc. If you are a customer of Bank of America, you will have the option to log in to this page with your username and password to fill out a pre-approval form.

After you submit the pre-approval form, Bank of America performs a “soft” inquiry on your credit history, meaning they will take a quick look at your current credit history. Since it’s not a difficult request, it won’t show up on your credit report or negatively affect your credit score.

In just a few minutes, your information will be processed and you will receive an offer for a card (or cards) that match your credit level and criteria. At this point you can decide if you want to proceed with the official app.

To get pre-approved for a credit card from Bank of America, you can follow these steps.

  1. Visit the Bank of America website and navigate to the credit card page.
  2. Scroll down to the “Check for Pre-qualified Credit Card Offers” section and click on the “Go to Offers” button.
  3. Enter your personal information, including your name, address, and income, and click “Continue.”
  4. Review the pre-approved credit card offers that are available to you and select the one that best meets your needs.
  5. Complete the online application by providing additional information and submitting any required documentation.

It’s important to note that pre-approval does not guarantee final approval for a credit card. Final approval will be based on a review of your creditworthiness and ability to pay.

You can also call the bank customer service and ask if you pre-qualified for any credit card, they will ask you for some personal information and check your credit score, if you’re pre-qualified they will provide you with the details and how to proceed with the application process.

How To Check Pre-Approval Status for Bank of America Credit Cards?

To check the pre-approval status for a credit card from Bank of America, you can follow these steps.

  • Visit the Bank of America website and navigate to the credit card page.
  • Scroll down to the “Check for Pre-qualified Credit Card Offers” section and click on the “Go to Offers” button.
  • Enter your personal information, including your name, address, and income, and click “Continue.”
  • Review the pre-approved credit card offers that are available to you and select the one that you applied for.
  • You will be prompted to sign in to your Bank of America account or create one if you don’t have one.
  • Once you’re logged in, you should be able to see your application status under the “Application Center” or “Application Status” section on your account dashboard.

How Accurate Is Bank Of America Credit Card Pre-Approval?

The accuracy of a pre-approval for a credit card from Bank of America can vary. A pre-approval offer is based on information that the bank has about you, including your credit score and other financial factors. However, this information may not be up-to-date or complete, so the pre-approval is not a guarantee of final approval.

When you apply for the credit card, Bank of America will conduct a more thorough review of your creditworthiness and ability to pay, which may include a hard inquiry on your credit report. This will take into account your credit history, income, and other financial factors.

It’s important to note that even if you were pre-approved for a credit card, it’s not a guarantee that you’ll be approved for the card. The bank will review your creditworthiness and ability to pay before making a final decision.

It’s recommended to review the terms and conditions of the credit card offer, and check if you meet the requirements before applying, also it’s a good idea to check your credit score and report before applying to have an idea about your creditworthiness.

How To Apply for a Bank Of America Credit Card Without Pre-Approval?

If there’s a particular Bank of America credit card you want and you have a pretty good idea that you have the credit rating and income to qualify, you can skip pre-approval and go straight to the application.

You can apply for a Bank of America credit card by going to the card’s page online and clicking the “Apply Now” button on the page. You must provide your personal information, including your social security number and your total annual income.

You can also apply for a Bank of America credit card by calling 800-932-2775.

After your submission, one of the following will happen:

  • You will be accepted
  • You will be notified that you are eligible for another card offer
  • You will have to wait while your information is verified
  • You will be rejected


If approved, you will receive your card within seven to ten days. If you are rejected, Bank of America must tell you why, giving you the opportunity to find another product that may suit you better.

To apply for a credit card from Bank of America without pre-approval, you can follow these steps.

  • Visit the Bank of America website and navigate to the credit card page.
  • Browse the available credit card options and select the one that best meets your needs.
  • Click on the “Apply Now” button for the selected credit card.
  • Complete the online application by providing the required personal information, including your name, address, and income.
  • Submit any required documentation, such as a copy of your driver’s license or passport.
  • Review and accept the terms and conditions of the credit card.
  • Submit your application.

It’s important to note that even if you were not pre-approved for the credit card, it doesn’t mean that you will not be approved for the card, the bank will review your creditworthiness and ability to pay before making a final decision. It’s recommended to review the terms and conditions of the credit card offer, and check if you meet the requirements before applying, also it’s a good idea to check your credit score and report before applying to have an idea about your creditworthiness.

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