www.bankofamerica.com – How to Activate Bank Of America Credit Card

Bank of America Credit Card

As you are probably aware that Bank of America offers a variety of credit card which you can choose from according to your requirements. Through its online banking services, customers can enjoy hassle-free services without the need to go and visit a bank. Through its online service, you can check your outstanding amount, your transaction records, update your personal information, deposit a cheque and pay your bills etc.

To avail all these facilities, all you need to do is to go to the home page of Bank of America Credit Card website and login into your account. In this post, we are going to discuss the procedures of how to make an online payment.

Why Choose Bank Of America Credit Card:

Most people use credit cards for their convenience but it offers other benefits when comes to emergencies, security, budgeting, efficiency etc. Bank of America Credit Cards also provides the similar or even more benefits to its customers. We have listed down a few of them but important ones below for your convenience:

• Bank of America credit cards keeps track of your expenses
• It offers categories that provide similar charges like utility charges, mobile payments, gas,and groceries etc.
• It does provide better security than traditional methods like cheques and cash
• Bank of America credit cards come with enhances security features like car rental insurance, defective goods, travel insurance etc.
• The regular use of Bank of America credit card influences your overall credit score as the score is shared on regular basis with credit authorities.
• With regular use of Bank of America will provide you with many rewards such as airline miles, cashback, discounts etc. basis the purchases you make
• Credit cards are always helpful when you are short of cash.

Eligibility Criteria for The Bank Of America Credit Card:

Convinced with the benefits of the Bank of America Credit card and planning to opt a credit card for yourself then you should meet the below eligibility criteria.

• You should be 18 years or older
• If you are a permanent resident of Puerto Rico then you need to be 21 or older.
• You Should maintain a good credit score to apply for BOA credit card.

Types of Bank of America Credit Card:

The credit service is provided by Bank of America Considers as one of the best credit card service. This bank provides four types of credit cards according to their customer need. All the types of card, their benefits and the charges are mentioned below:

• Bank of America Cash Rewards Card: Bank of America Cash Rewards Credit Card is available with new reward options.
  • Benefits:
    • $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of account opening.
    • 3% cash back on shopping for gas, online shopping, dining, travel, drug stores or home furnishings.
    • 2% cash back at grocery stores and wholesale clubs.
    • 1% cash back on all other purchases.
    • Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
  • Bank Of America Travel Rewards Card:
    • Benefits:
      • 25,000 online bonus points after you make at least $1,000 purchases in the first 90 days of account opening, which can be redeemed for a $250 statement credit toward travel purchases.
      • Earn unlimited 1.5 points for every $1 spent on all purchases.
      • No annual fee and no foreign transaction fees.
      • No blackout dates and no restrictions when booking your trip.
      • Flexibility to redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees.
    • Bank Of America Premium Rewards Card:
      • Benefits:
        • Get 50,000 bonus points worth of $500 after you make at least $3,000 in purchases in the first 90 days of account opening.
        • No annual fee.
        • 2 points for every $1 spent on travel and dining purchases.
        • 5 points for every $1 spent on all other purchases.
        • Get up to $200 in combined Airline Incidental and TSA Pre Global Entry statement credits.
      • Bank Of America Bankamericard:
        • Benefits:
          • Introductory 0% APR for your first 18 billing cycles for purchases.
          • No Penalty APR on late payment.
          • $0 Liability Guarantee.

Fees and Charges of Bank Of America Credit Cards:

There are some certain fees and charges and you should aware of it.

• Annual Percentage Rate:
  • Purchases:0% Introductory APR for the first 12 Statement Closing Dates. After that, your APR will be 17.24% to 25.24%, based on your creditworthiness.
  • Balance Transfers:24% to 25.24%, based on your creditworthiness when you open your account.
  • Cash Advances: 20.24% to 27.24%, based on your creditworthiness when you open your account, for Direct Deposit and Check Cash Advances, and 27.24% for Bank Cash Advances.
  • Penalty APR:Up to 29.99%, based on your creditworthiness. To avoid penalty APR make a payment of your bill within 25 days after the close of each billing cycle.
• Fees:
  • There is no annual fee for the Bank of America Cash Rewards Card.
  • Purchase:Either $10 or 5% of the amount of each transaction, whichever is greater.
  • Balance Transfer: Either $10 or 3% of the amount of each transaction, whichever is greater.
  • Cash Advance:10% or 5% of the amount of each transaction, whichever is greater.
  • Late Payment charges: Up to $38.
  • Returned Payment Charges: Up to $27.

How to Apply For Bank Of America Credit Card:

Want to take the benefits of the Bank of America credit card, and then you should apply for it first. The application process contains with the below steps:

• Open the official website of the bank of America and click on the “Credit Card” option or, click on the link www.bankofamerica.com/credit-cards
• Click on the “Apply Now” option for the credit card you want to apply.
• Enter your First Name, Last Name, Residential Address, City, State, ZIP code, phone number,
• Then confirm you citizenship, DOB
• Then submit your income details and employment & finance status then click on the “Continue” option.

 

To activate your credit card you need to sign in to your online banking account using your login credentials. Just you need to follow the below steps:

• Open the official website with the link www.bankofamerica.com
• Enter your Online Id and Passcode then click on the “Sign In” option.

 

How to Enroll For Bank of America Online Account:

To activate your credit card or to pay the bill for your credit card or to manage your credit card you should have an online account with Bank of America. If you do not have any, then you can easily sign up by following the below process:

• Open the official website with the link www.bankofamerica.com
• Click on the “Enroll” option, just below the sign in option.
• Enter the last 6 digits of your card or account and your complete Social Security number (SSN) or Tax Identification Number (TIN).
• Now click on the “Continue” button.

How to Retrieve Forgotten Password Of Bank Of America Online Account:

If you have forgotten the password of your online banking account, then you can easily reset it by following the below process:

• Open the official website with the link www.bankofamerica.com
• Click on the “Forgot ID/Passcode” option, just below the sign in option.
• Enter the last 6 digits of your card or account and your complete Social Security number (SSN) or Tax Identification Number (TIN).
• Now click on the “Continue” button.

 

How to Make a Payment For Bank Of America Credit Card

• Online Payments:
  • Go to the Bank of America’s homepage and sign in with your username and Site Key and password in the designated box given in the page
  • Find the payment option in your account section
  • Choose to make payment and enter the amount you want to pay
  • Enter the details in the banking section and review your payment information
  • Finally, submit your payment if everything seems correct.

By following these steps, our readers will be easily able to access online service by Bank of America Credit Card login.

• Offline Payment:
  • Pay by phone: By calling 1.800.236.6497. There is no fee to make a payment by phone.
  • Pay by mail: P.O. Box 15019, Wilmington, DE 19850-5019

 

Bank of America Credit Card is the most wide-ranging in the U.S. They offer a variety of services through its online service and also many rewards can be claimed while using its card such as cashback, airline miles, discounts etc.

 

Reference:

www.bankofamerica.com

www.bankofamerica.com/credit-cards