{"id":143920,"date":"2025-07-06T15:10:01","date_gmt":"2025-07-06T15:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=143920"},"modified":"2026-04-08T14:18:44","modified_gmt":"2026-04-08T14:18:44","slug":"bank-america-credit-card-application-rules","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/","title":{"rendered":"How to Maximize Bank of America Credit Card Approvals (and Avoid Common Pitfalls)"},"content":{"rendered":"<p>Bank of America has a solid portfolio of cash-back and miles-earning credit cards. For those looking to earn significant rewards, there is great value to be had with the <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" rel=\"noopener\">Preferred Rewards program<\/a>, which boosts your credit card earning rates when having a banking relationship with Bank of America. Who wouldn't want to <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/maximize-unlimited-cash-card-preferred-rewards\/\" rel=\"noopener\">earn 2.625% cash back or more on every purchase<\/a> with the right Bank of America credit card plus Preferred Rewards status?<\/p>\n<p>But unfortunately, you can't just dive right in and quickly get every credit card Bank of America offers to build a stash of rewards from numerous welcome bonuses. Let's examine the Bank of America credit card application rules to know for which cards you're eligible and how often you can apply.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Why_Do_I_Need_To_Know_These_Rules\">Why Do I Need To Know These Rules?<\/a><\/li><li><a href=\"#Bank_of_America_Credit_Card_Application_Rules\">Bank of America Credit Card Application Rules<\/a><ul><li><a href=\"#Application_frequency\">Application frequency<\/a><\/li><li><a href=\"#Bank_of_America8217s_234_rule\">Bank of America's 2\/3\/4 rule<\/a><\/li><li><a href=\"#Bank_of_America8217s_312_or_712_rule\">Bank of America's 3\/12 or 7\/12 rule<\/a><\/li><li><a href=\"#Bank_of_America8217s_24-month_rule\">Bank of America's 24-month rule<\/a><\/li><li><a href=\"#Welcome_bonus_restrictions\">Welcome bonus restrictions<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Why_Do_I_Need_To_Know_These_Rules\">Why Do I Need To Know These Rules?<\/span><\/h2>\n<p>As is the case with all banks, it\u2019s essential to understand credit card application rules. How many cards can you hold? Are there restrictions on how many cards you can apply for at a certain time? Can you hold more than one of the same card?<\/p>\n<p>These rules have a great\u00a0impact on how you approach your <a target=\"_blank\" href=\"\/credit-cards\/credit-card-strategy\/\" rel=\"noopener\" data-wpel-link=\"internal\">credit card application strategy<\/a>. It may make sense to apply for certain cards before others \u2014 especially if you are new to credit card rewards. Thoroughly understanding application rules will help you plan a long-term, sustainable approach to earning points, miles, and cash back.<\/p>\n<figure id=\"attachment_138883\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-138883 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Woman-in-wheelchair-at-Bank-of-America-ATM-featured.jpeg\" alt=\"A woman in a wheelchair uses a Bank of America ATM\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Woman-in-wheelchair-at-Bank-of-America-ATM-featured.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Woman-in-wheelchair-at-Bank-of-America-ATM-featured-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Woman-in-wheelchair-at-Bank-of-America-ATM-featured-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Woman-in-wheelchair-at-Bank-of-America-ATM-featured-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Bank of America<\/em><\/enter><\/figure>\n<p>Credit card application rules can affect:<\/p>\n<ul>\n<li>Whether you'll be approved for a new card.<\/li>\n<li>How many credit cards you can hold at any one time from the same issuer.<\/li>\n<li>If you can receive a bonus more than once on the same card (and, if so, how long you must wait between those bonuses).<\/li>\n<li>How much credit you can access across all cards you hold with that bank.<\/li>\n<li>Whether holding certain cards from that bank makes you ineligible for some of its other cards.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Bank_of_America_Credit_Card_Application_Rules\">Bank of America Credit Card Application Rules<\/span><\/h2>\n<h3><span id=\"Application_frequency\">Application frequency<\/span><\/h3>\n<p>Bank of America's credit card rules aren't as stringent as other banks. And while BOA used to be ridiculously generous with card approvals, it's since tightened things up.<\/p>\n<p>Data points for Bank of America's credit card application rules are inconsistent. As with most major banks, Bank of America doesn't publish an &#8220;official&#8221; policy. Instead, applicants (and sites, like ours), have to compile multiple data points to gather a picture of Bank of America's strategy.<\/p>\n<p>Most data points suggest Bank of America limits customers to around <strong>four personal credit cards at a time<\/strong>. The issuer also will limit the amount of credit it will extend to you. If this happens, reducing your credit limit on existing cards may help you be approved for a new one.<\/p>\n<p>The bank used to accept multiple applications in a single day \u2014 sometimes even for the same card. However, that doesn't seem to be the case any longer. Doing so may prompt Bank of America to cancel your points or close your account. Tread carefully if you're considering this approach, and maybe opt for a more long-term strategy.<\/p>\n<div class=\"qs-card\" data-id=\"3002003\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/CardArt-BankOfAmericaTravelRewardsCreditCard.png\" width=\"150\" alt=\"Bank of America\u00ae Travel Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card stands out with its $0 annual fee and no foreign transaction fees, making it an economical choice for travelers. It offers a simple rewards structure, earning 1.5 points per dollar on every purchase. Purchases made in the Bank of America Travel Center earn 3 points per dollar. Points can be redeemed for travel or dining purchases, or for a statement credit up to 12 months after the purchase is made.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOATravel\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h3><span id=\"Bank_of_America8217s_234_rule\">Bank of America's 2\/3\/4 rule<\/span><\/h3>\n<p>Bank of America does have application restrictions in place. Their main rule is called the <a target=\"_blank\" href=\"\/credit-cards\/bank-america-234-policy\/\" rel=\"noopener\" data-wpel-link=\"internal\">2\/3\/4 rule,<\/a> which affects all Bank of America-issued credit cards, including co-branded cards like the <a data-ccid=\"4048132\" href=\"https:\/\/awardwallet.com\/credit-cards\/alaska-atmos-rewards\/alaska-airlines-credit-card\/\">Atmos\u2122 Rewards Ascent Visa Signature<sup>\u00ae<\/sup> card<\/a>, and personal cards like the <a data-ccid=\"4048119\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/premium-rewards-credit-card\/\">Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> credit card<\/a> and <a data-ccid=\"3002003\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/travel-rewards-card\/\">Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card<\/a>. However, data points suggest that business cards do not count when 2\/3\/4 is calculated.<\/p>\n<p>The 2\/3\/4 rule means that you can open the following:<\/p>\n<ul>\n<li><strong>Two<\/strong>\u00a0new cards per two-month period<\/li>\n<li><strong>Three<\/strong>\u00a0new cards per rolling 12-month period<\/li>\n<li><strong>Four<\/strong>\u00a0new cards per rolling 24-month period<\/li>\n<\/ul>\n<p>This only applies to obtaining credit cards issued by Bank of America. Cards from other banks aren't counted in this rule. You are unlikely to be approved for personal or business cards from Bank of America if you fall outside of these parameters.<\/p>\n<h3><span id=\"Bank_of_America8217s_312_or_712_rule\">Bank of America's 3\/12 or 7\/12 rule<\/span><\/h3>\n<p>Another Bank of America application rule concerns the number of accounts you have opened recently at any bank \u2014 not just Bank of America. This rule, while still loosely enforced, varies by whether or not you have banking accounts with Bank of America:<\/p>\n<ul>\n<li><strong>If you have a deposit account with Bank of America, <\/strong>your credit card application will be denied if you have opened seven new cards in the past 12 months, based on what's visible on your credit report.<\/li>\n<li><strong>If you do NOT have a deposit account with Bank of America, <\/strong>your credit card application will be denied if you have opened three new cards in the past 12 months, based on what's visible on your credit report.<\/li>\n<\/ul>\n<figure id=\"attachment_138892\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-138892 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured.jpeg\" alt=\"two people looking at smart phone to read credit card information\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/2-people-looking-at-smart-phone-credit-card-information-featured-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Bank of America<\/em><\/enter><\/figure>\n<p>Business cards may not be counted in this number if they don't show up on your credit report. It may be worth opening a deposit account with Bank of America to be eligible for additional credit cards, especially since that can open the door to the higher earning rates via the Preferred Rewards program.<\/p>\n<h3 id=\"Signup_Bonus_RestrictionsUb7U\"><span id=\"Bank_of_America8217s_24-month_rule\"><span id=\"Sign-up_bonus_restrictions\">Bank of America's 24-month rule<\/span><\/span><\/h3>\n<p>Bank of America restricts new applications for a card if you currently hold the card or have received a welcome bonus on it in the past 24 months.\u00a0 <a target=\"_blank\" href=\"\/news\/bank-of-america\/bank-of-america-24-month-rule\/\" rel=\"noopener\">Bank of America's 24-month rule<\/a>\u00a0doesn't seem to apply to business cards, however.<\/p>\n<h3><span id=\"Welcome_bonus_restrictions\"><strong>Welcome bonus restrictions<\/strong><\/span><\/h3>\n<p>There are no restrictions on earning a welcome bonus more than once. In fact, you can earn a welcome bonus on the same card multiple times over the years, as long as you wait the required 24 months after receiving the last bonus on that card. Moreover, so long as you're approved for a Bank of America credit card and complete the required spending, you should receive the welcome bonus.<\/p>\n<p>Unlike some issuers, Bank of America rarely denies welcome bonuses after approval \u2014 as long as you\u2019re eligible and meet the spending requirement. Just don\u2019t push the envelope with same-day duplicate applications or suspicious spending patterns.<\/p>\n<div class=\"qs-card\" data-id=\"3002004\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937160.png\" width=\"150\" alt=\"Bank of America\u00ae Customized Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card is a $0 annual fee card that offers a tiered cash back rewards system. Cardholders can earn 6% cash back for the first year in a category of their choice, including options like gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy or home improvement\/furnishing purchases (then 3%). Additionally, the card offers 2% cash back at grocery stores and wholesale clubs. However, the 6% and 2% cash back rates apply only to the first $2,500 in combined purchases each quarter, after which the rate drops to 1% (after the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum).<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy purchase, or home improvement\/furnishing purchases, then 3% after the first year of card membership*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* You'll earn 6% and 2% cash back on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOACashRewards\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p><strong>Related: <a href=\"\/credit-cards\/bank-of-america\/cash-rewards-categories\/\" class=\"css-1rn59kg\" title=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/cash-rewards-categories\/\" data-testid=\"link-with-safety\" data-renderer-mark=\"true\">How to select your Bank of America Customized Cash 3% bonus category<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Understanding credit card application rules and restrictions will help you develop a successful long-term travel rewards strategy. In addition, with this knowledge, you'll be less likely to waste credit inquiries on cards you aren\u2019t likely to be approved for. Bank of America does have fairly generous credit card application rules, making it simpler to build up a solid earning portfolio with Bank of America than with some other issuers.<\/p>\n<p>Remember, many of these restrictions aren't provided by Bank of America publicly. Instead, they are pulled from community data. If you receive different information from credit card issuers or have an experience outside these norms, we\u2019d love to hear about it.<\/p>\n<p><em>Ready to apply for a Bank of America credit card? Here are some of the top offers available now:<\/em><\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-bank-of-america\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/f76cdf93-6505-48d4-a16a-fa2a958cb9cd.png\" width=\"150\" alt=\"Bank of America\u00ae Premium Rewards\u00ae credit card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> credit card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.<\/div><\/div><div class=\"compare-apply\"><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent\/Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2 points for every $1 spent on travel and dining purchases<\/li> <li>1.5 points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<i>Preferred Rewards members earn a 25%-75% rewards bonus on every purchase. <a href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" target=_blank>Learn more about Preferred Rewards<\/a><\/i><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/3d8bdd26-ff10-49b6-81e1-d6aa0a68e9d6.jpg\" width=\"150\" alt=\"Atmos\u2122 Rewards Ascent Visa Signature\u00ae card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Atmos\u2122 Rewards Ascent Visa Signature<sup>\u00ae<\/sup> card<\/div><div class=\"compare-offer\"><strong>Limited Time Online Offer:<\/strong>\r\n50,000 bonus miles plus buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.<\/div><\/div><div class=\"compare-apply\"><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent\/Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases<\/li>\r\n<li> Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging stations, cable, streaming services and local transit (including ride share) purchases<\/li>\r\n<li>Earn unlimited 1 mile for every $1 spent on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11936936.png\" width=\"150\" alt=\"Atmos\u2122 Rewards Visa Business Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Atmos\u2122 Rewards Visa Business Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nGet 60,000 bonus miles and Alaska's Famous Companion Fare\u2122 ($99 fare plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.<\/div><\/div><div class=\"compare-apply\"><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$70 for the company and $25 per card<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases<\/li>\r\n<li> Earn 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases<\/li>\r\n<li>Earn 1 mile for every $1 spent on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bank of America has a solid portfolio of cash-back and miles-earning credit cards. For those looking to earn significant rewards, there is great value to be had. But, can you just dive right in and quickly open every card the bank offers to get all the welcome bonuses? Unfortunately, the answer is no. So what are the rules for getting Bank of America credit cards? Let us show you.<\/p>\n","protected":false},"author":81,"featured_media":138887,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12789,12627],"coauthors":[36435],"class_list":["post-143920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-bank-of-america","tag-fees-rules-and-policies"],"acf":[],"yoast_head":"<title>Bank of America Credit Card Application Rules<\/title>\n<meta name=\"description\" content=\"Bank of America has a solid portfolio of cash-back and miles-earning credit cards, so let&#039;s look at the application eligibility rules.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Maximize Bank of America Credit Card Approvals (and Avoid Common Pitfalls)\" \/>\n<meta property=\"og:description\" content=\"Bank of America has a solid portfolio of cash-back and miles-earning credit cards, so let&#039;s look at the application eligibility rules.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-06T15:10:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-08T14:18:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ryan Flanigan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ryan Flanigan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/\"},\"author\":{\"name\":\"Ryan Flanigan\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/db0c53864c0802d46a48763450e335f6\"},\"headline\":\"How to Maximize Bank of America Credit Card Approvals (and Avoid Common Pitfalls)\",\"datePublished\":\"2025-07-06T15:10:01+00:00\",\"dateModified\":\"2026-04-08T14:18:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/\"},\"wordCount\":1211,\"commentCount\":4,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg\",\"keywords\":[\"Bank of America\",\"Fees &amp; Policies\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/\",\"name\":\"Bank of America Credit Card Application Rules\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg\",\"datePublished\":\"2025-07-06T15:10:01+00:00\",\"dateModified\":\"2026-04-08T14:18:44+00:00\",\"description\":\"Bank of America has a solid portfolio of cash-back and miles-earning credit cards, so let's look at the application eligibility rules.\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Bank of America\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Maximize Bank of America Credit Card Approvals (and Avoid Common Pitfalls)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/db0c53864c0802d46a48763450e335f6\",\"name\":\"Ryan Flanigan\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/0cf67c9bf512c5f038d70a5abe7c1595\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b376add415bf8d1f273a4844b15c3d0625e3589822513082b71a5a00f932ac66?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b376add415bf8d1f273a4844b15c3d0625e3589822513082b71a5a00f932ac66?s=96&d=mm&r=g\",\"caption\":\"Ryan Flanigan\"},\"description\":\"Ryan developed his love of travel from a lifelong career as a stage performer. He resides in Las Vegas with his beautiful wife and son, going on as many adventures as possible.\",\"url\":\"https:\/\/awardwallet.com\/blog\/author\/ryan-flanigan\/\"}]}<\/script>","yoast_head_json":{"title":"Bank of America Credit Card Application Rules","description":"Bank of America has a solid portfolio of cash-back and miles-earning credit cards, so let's look at the application eligibility rules.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/","og_locale":"en_US","og_type":"article","og_title":"How to Maximize Bank of America Credit Card Approvals (and Avoid Common Pitfalls)","og_description":"Bank of America has a solid portfolio of cash-back and miles-earning credit cards, so let's look at the application eligibility rules.","og_url":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2025-07-06T15:10:01+00:00","article_modified_time":"2026-04-08T14:18:44+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg","type":"image\/jpeg"}],"author":"Ryan Flanigan","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Ryan Flanigan","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/"},"author":{"name":"Ryan Flanigan","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/db0c53864c0802d46a48763450e335f6"},"headline":"How to Maximize Bank of America Credit Card Approvals (and Avoid Common Pitfalls)","datePublished":"2025-07-06T15:10:01+00:00","dateModified":"2026-04-08T14:18:44+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/"},"wordCount":1211,"commentCount":4,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg","keywords":["Bank of America","Fees &amp; Policies"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/","url":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/","name":"Bank of America Credit Card Application Rules","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg","datePublished":"2025-07-06T15:10:01+00:00","dateModified":"2026-04-08T14:18:44+00:00","description":"Bank of America has a solid portfolio of cash-back and miles-earning credit cards, so let's look at the application eligibility rules.","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg","width":1000,"height":800,"caption":"Credit: Bank of America"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/bank-america-credit-card-application-rules\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Maximize Bank of America Credit Card Approvals (and Avoid Common Pitfalls)"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/db0c53864c0802d46a48763450e335f6","name":"Ryan Flanigan","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/0cf67c9bf512c5f038d70a5abe7c1595","url":"https:\/\/secure.gravatar.com\/avatar\/b376add415bf8d1f273a4844b15c3d0625e3589822513082b71a5a00f932ac66?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b376add415bf8d1f273a4844b15c3d0625e3589822513082b71a5a00f932ac66?s=96&d=mm&r=g","caption":"Ryan Flanigan"},"description":"Ryan developed his love of travel from a lifelong career as a stage performer. He resides in Las Vegas with his beautiful wife and son, going on as many adventures as possible.","url":"https:\/\/awardwallet.com\/blog\/author\/ryan-flanigan\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/143920","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/81"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=143920"}],"version-history":[{"count":14,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/143920\/revisions"}],"predecessor-version":[{"id":257115,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/143920\/revisions\/257115"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/138887"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=143920"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=143920"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=143920"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=143920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}