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Bank of America · Approval

Bank of America 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.

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

  • Unlike 2/3/4, these count cards from every issuer.
See what your cards are worth to you

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

  • Welcome bonus eligibility

    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

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