If you just started using Bank of America, there are chances that you’re holding their credit card. However, you can’t just start using it as it shipped.
You’ll need to activate your Bank of America credit card before you can start using it.
With the abundance of (mostly inaccurate) information about how to activate a credit card from the Bank of America, we decided to make you less confused.
In this concise article, you’ll learn how to activate a credit card from the Bank of America in no time.
Bank of America Credit Cards
The Bank of America is unarguably one of the largest banks in operation in the United States. The bank is operational in all states in the US, and it issues both debit and credit cards.
Since most people would rather have a credit card, it makes sense to learn how to activate Bank of America credit cards.
Before we go into the activation process for Bank of America credit cards, let’s see what kinds of cards they issue and how to get them.
- BankAmericard credit card
The BankAmericard credit card is the closest thing to Bank of America’s flagship credit card – if that’s a thing.
The BankAmericard has no annual fees, and you get a 0% introductory Annual Percentage Rate for the first 60 days of using the card.
The card offers one of the most impressive APRs even after the first 60 days. While you get variable APRs depending on how you use the card, you can get as low as 12.99% to 22.99% APR. Also, there are no penalty APR increments for late payments.
This card is available to Bank of America customers, although terms and conditions may apply.
- Bank of America Unlimited Cash Rewards credit card
If you like cashing back on purchases, the unlimited rewards credit card is for you. With the Unlimited Cash Rewards card, you can get 1.5% off of every purchase, regardless of the store where you checked out.
Also, if you can spend up to $1,000 within three months of getting the card, you get a $200 bonus which you can use on any purchase.
You don’t need to pay any annual fees, and you get something similar to the APR offer for the BankAmericard.
- Bank of America Premium Rewards credit card
If you’re more of a traveler, you’ll enjoy using the Premium Rewards credit card from Bank of America. You get reward points for using this card and not cashback.
Every travel transaction earns you two reward points on every dollar. You get two points per dollar on every grocery store purchase and 1.5 points for every dollar spent on all other purchases.
The welcome offer is nothing short of enticing; you get 50,000 points if you spend at least $3,000 in the first three months of getting the card.
However, you should know that a point is equivalent to 1 cent, so 50,000 points are about $500. Getting $500 for spending $3,000 is still a great deal, in my opinion.
The annual percentage rate on this card is pretty standard. It has a variable APR ranging from 15.99% to 22.99% on transfers and purchases.
While these are not the only credit cards you can get at Bank of America, these are just worth mentioning. You can also get the Customized Cash Rewards Card and the Travel Rewards credit card, amongst others.
How to Carry Out Bank of America Credit Card Activation
When you get any of the credit cards mentioned above, you must activate them to make it work. There are several ways to activate a credit card, and you can choose any that’s most convenient to you.
Here are all the ways by which you can activate any of your Bank of America credit cards.
- Online Bank of America credit card activation
If you want to activate your credit card online, you must be using the Bank of America online banking service.
If you’re not previously enrolled, don’t worry, it only takes a minute. Here are the steps required to activate your Bank of America credit card online.
- Visit the Bank of America website on a mobile phone or PC and click on Enroll below the login form.
- In the first input box on the next page, enter the last six digits of the number on your card. In the second input box, enter your tax identification number and click on continue.
- You may need to make further confirmations. Follow the instructions to set up your new credit card.
And you’re done. You may receive your online banking details at your email address, but you can also change them anytime.
- Activation over the Bank of America mobile app
If you have the Bank of America app installed on your phone, you can activate your credit card on the app.
If you’re logged into the app, you’ll find an option to add or activate a credit card. Select this option and enter all the required details to activate your card.
If you don’t have access to the internet, you can also activate your Bank of America credit card over the phone.
- Activate the credit card over the phone
To activate any Bank of America credit card, you can call 1-800-276-9939. Before attempting to activate your card, you should have it handy, as you may have to answer questions about the card itself.
Bank of America credit cards are good and all, but you must activate them if you must use them.
Fortunately, Bank of America has provided more than enough ways for anyone to activate any of their credit cards. You can choose to activate your card over a phone call, through the mobile app, or through their website on a PC.
Whichever way you choose to activate, your credit card will be working in just a couple of minutes.