Bank of America® Credit Cards

Bofa.com/mynewcard My New Card Applicant Information
The cards found on this page are also offered at bofa.com/mynewcard. You can choose from the cards from the list above, or if you wish to accept an invitation to apply for a new credit card offer, please visit Bofa.com/mynewcard and enter your invitation number.

Step-by-Step Guide to Applying on Bofa.com/mynewcard
Applying for a Bank of America credit card online is convenient and secure. Follow these steps to submit your application through Bofa.com/mynewcard.


Accessing the Application
Visit Bofa.com/mynewcard. If you've received a pre-approved offer in the mail, it will typically include a personalized secure code that you can enter to begin the application process. If not, you can browse the available credit cards and choose one that suits your needs.

Enter the secure code (if applicable) and zip code to access your personalized offer or select the "Apply Now" button for the card of your choice.

Filling Out the Application
Complete the application form with your personal, contact, financial, and housing information. Ensure that all the details are accurate to avoid any issues with your application. Review any terms and conditions associated with the credit card, such as interest rates, fees, and reward structures. If you're satisfied with the terms, submit the application. Make sure to read the privacy policy and understand how your information will be used.

After Submission
Once submitted, you will typically receive an instant decision. If further review is needed, Bank of America will inform you of the additional steps or any additional information required. If approved, you'll receive your new Bank of America credit card by mail, along with instructions on how to activate it and information about your credit limit.

Activate Your Card
To begin using your new credit card, you'll need to activate it. This can usually be done online or by phone, following the instructions provided with your card.

Set Up Online Banking
Enroll in Bank of America's online banking to manage your account conveniently. You'll be able to check balances, view statements, make payments, and more.

Understand Your Rewards and Benefits
Familiarize yourself with the rewards system and benefits that come with your new credit card. Take advantage of any introductory offers and understand how to redeem your rewards.

What to Do If You're Not Approved
If you're not approved for a Bank of America credit card, don't be discouraged. There are steps you can take to understand the decision and improve your chances in the future.

Review the Adverse Action Letter
Bank of America will send an adverse action letter explaining why your application was not approved. Review the reasons carefully, as they can guide you on what areas of your financial profile to improve.

Check Your Credit Report
Consider obtaining a copy of your credit report to ensure there are no errors that might have affected the decision. You're entitled to one free credit report from each of the three major credit bureaus every year.

Improve Your Credit
Work on improving your credit by paying bills on time, reducing debt, and keeping credit card balances low. Over time, these actions can help improve your credit score, increasing your chances of being approved in the future.

Conclusion
Applying for a Bank of America credit card through Bofa.com/mynewcard is a simple process that can be completed in just a few minutes. By preparing the necessary information beforehand and carefully selecting the right card for your financial needs, you can enjoy the convenience and benefits that come with a Bank of America credit card. Remember to manage your new credit responsibly to maintain a healthy credit score and financial well-being.