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Bank of America · Welcome bonus eligibility

Bank of America 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.

Applies to
Bank of America cards
Where it comes from
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.
Last verified
September 26, 2026

How it works

  • Some cards' terms state it; applicants report enforcement varies.
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Bank of America cards these apply to

More Bank of America rules

  • How fast you can 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

  • Approval

    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

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