Rules · 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.
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.
What counts, and what doesn't
Applies to: Bank of America cards
- Some cards' terms state it; applicants report enforcement varies.
Sources
- Thrifty Traveler: Credit card application rules, bank by bank (Jan 2026)
- Frequent Miler: Complete guide to credit card application rules by bank (Feb 2026)
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.
More Bank of America rules
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.