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3 rules

Bank of America application rules

Bank of America has 3 application and bonus rules worth knowing before you apply: 3 are reported by applicants.

In the issuer's terms
The issuer states this, in a card's terms or an official statement.
Reported by applicants
The issuer has never stated this. It is a pattern many applicants have reported, consistent enough to plan around, but not a guarantee.

Will I be approved?

  • The 7/12 and 3/12 rules

    Bank of America usually declines applicants who opened 7 or more cards with any bank in the last 12 months, or 3 or more if they don't bank with Bank of America.

    Reported by applicants

How often can I apply?

  • The 2/3/4 rule

    Bank of America usually approves at most 2 of its cards in 2 months, 3 in 12 months and 4 in 24 months.

    Reported by applicants

Will I get the welcome bonus?

  • 24 months on the same card

    Bank of America usually won't pay a card's bonus again within 24 months of the last one on that card.

    Reported by applicants

Bank of America cards these apply to

Questions about Bank of America's rules

What is Bank of America's 2/3/4 rule?

Bank of America usually approves at most 2 of its cards in 2 months, 3 in 12 months and 4 in 24 months. Bank of America has never published this; it is reported by applicants.

What is Bank of America's 7/12 and 3/12 rules?

Bank of America usually declines applicants who opened 7 or more cards with any bank in the last 12 months, or 3 or more if they don't bank with Bank of America. Bank of America has never published this; it is reported by applicants.

What is Bank of America's 24 months on the same card?

Bank of America usually won't pay a card's bonus again within 24 months of the last one on that card. Bank of America has never published this; it is reported by applicants.

See what your cards are worth to you

Issuers can approve, decline or withhold a bonus for any reason. These rules describe what usually happens, not a promise of what will. Last verified .