Applying for the card is a quick, fully online process done on a secure page, and you can get a decision within minutes using just a few basic details.
You only need to have your Social Security number, current address and gross annual income ready so the bank can verify your identity and review your application safely, with no need to visit a branch or send paperwork.
You will be directed to an external website
Step 1 – Confirm this is the right card for you
Take a quick look at the key benefits: a long 0% intro APR period, no annual fee and strong security features. If your main goal is to pay down existing balances or finance important purchases while keeping interest charges low, BankAmericard® is built to support that goal. Once you are comfortable with the terms, you are ready to move forward.
Step 2 – Start your secure application
Click the button below to go to the secure application page. There, you will be asked to enter your full name, date of birth, contact details, current address and Social Security number so the bank can verify your identity and check your credit profile. The page is encrypted, which means your data is protected while it is being transmitted.
If you already bank with Bank of America, you can sign in first to speed things up. Some of your information may be filled in automatically, so you only need to review and confirm it. This helps reduce errors and makes the process even faster.
Step 3 – Share your income and employment details
Next, you will enter information about your income and employment. This typically includes your total gross annual income, your main source of income and, in some cases, your monthly housing payment. This information helps the bank understand how the credit line will fit your budget and your ability to repay what you borrow.
Providing accurate numbers here works in your favor. It increases the chances of receiving a credit limit that matches your needs while staying responsible and sustainable for your financial situation. Being honest on this step is essential for a smooth approval process.
Step 4 – Review, agree and submit
Before you send your application, you will see a summary of the terms and important disclosures. Take a moment to review the interest rates, fees and key conditions, and make sure everything looks right. When you are ready, check the box to confirm that your information is accurate and click the final submit button.
In many cases, you will see an instant decision on the screen. If more review is needed, the bank may contact you or send a decision by mail or email. Either way, you will know exactly what to expect next, without any guesswork.
Step 5 – Activate your card and start using your benefits
If you are approved, your new BankAmericard® Credit Card will be mailed to you. Once it arrives, you can activate it online, in the mobile app or by phone. After activation, you are ready to use your card for purchases, balance transfers and everyday expenses, taking advantage of your intro 0% APR period and $0 annual fee.
To stay in control, enroll in online banking or the Bank of America mobile app. From there you can set up automatic payments, turn on alerts and check your FICO® Score — all tools that help you manage your account confidently and keep your finances on track.
You will be directed to an external website
Important: Intro APR offers, terms and eligibility may change over time. Always review the most current rates, fees and conditions on the official Bank of America website before you apply.
