The Bank of America is a personal credit card from Bank of America. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 14.99% – 27.49% Variable after a Low Intro APR introductory rate for 15 months. Approval typically requires a credit score of 700+ or higher. Rewards: earn a 25% — 75% rewards bonus on all eligible Bank of America credit cards. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card.. [SOFT PULL ONLY] | Pre-qualification available (soft pull). Post-intro APR: Varies by card | EXPERT REFERENCE (Sep 2025): Reports of fee traps and abrupt credit line cuts. | EXPERT REFERENCE (Sep 2025): Overdraft fees due to double-charging issues not resolved by the bank.