Bank of America Cash Rewards

Bank of America Application Tips

• 3/12 or 7/12 Rule: You won't be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts.
• 2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months.
• 5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open
• Get Same Card Again: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card.
• Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.

Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);