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Rules · Bank of America

Bank of America application rules

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

  • The 2/3/4 ruleReported by applicants

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

  • The 7/12 and 3/12 rulesReported by applicants

    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.

  • 24 months on the same cardReported by applicants

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

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 September 26, 2026.