The main number for Bank of America credit card support
Call 1-800-732-9194 to reach Bank of America's credit card customer service line. This number works for questions about your account, payments, fraud, lost or stolen cards, and rewards. You'll reach a representative during business hours, or an automated system outside them.
The line is available 24 hours a day, seven days a week. Wait times are typically shortest on weekday mornings before 10 a.m. Eastern time. Have your card number or the phone number associated with your account ready when you call — the system will ask for one or the other before routing you to a representative.
If you're calling from outside the United States, Bank of America has international numbers listed on the back of your physical card. The back of your statement also lists the customer service number specific to your card product.
Key Takeaways
- Bank of America credit card support is available at 1-800-732-9194, open 24 hours daily.
- You can reach a live representative by phone, or use the automated system to check balances, make payments, or report fraud outside business hours.
- The back of your card or statement lists the phone number for your specific card product if you need a specialized line.
- Have your card number or account phone number ready before calling to speed up routing to the right department.
What you can handle on the phone
The main credit card line handles most requests: reporting a lost or stolen card, disputing a charge, asking about your balance or available credit, making a payment, checking your rewards balance, or changing your PIN. You can also ask about your account status, recent transactions, or interest rate.
If you have a specific card product — like the Bank of America Cash Rewards card or the Premium Rewards card — the back of your card may list a dedicated number. These specialized lines sometimes have shorter waits for questions about that card's specific benefits or rewards structure.
Using the automated system instead of waiting for a representative
If you call outside business hours or want to avoid a wait, the automated system can handle several tasks without a representative. You can check your balance, make a payment, report a lost or stolen card, or get information about recent transactions by following the voice prompts.
The automated system is fastest for straightforward, one-step requests. If your question requires judgment or explanation — like disputing a charge or discussing a late payment — you'll need to speak to a person, and the system will route you to the queue.
Other ways to contact Bank of America about your credit card
Beyond the phone, you can log into your account through the Bank of America website or mobile app to message customer service, view your balance, make payments, or report fraud. Many account questions can be resolved faster through the app than by phone, since you won't wait in a queue.
Bank of America also has physical branches in most cities where you can speak to someone in person about your credit card account. If you have a Bank of America checking account, your local branch may have faster access to your credit card information.
What to do if you're reporting fraud or a lost card
If your card is lost, stolen, or you see unauthorized charges, call 1-800-732-9194 when ready. The system can freeze your card right away through the automated line, even outside business hours. You don't have to wait for a representative to stop fraudulent use.
When you report fraud, have a list of the charges you don't recognize ready. The representative will document each one and explain the dispute process. Bank of America typically investigates fraud claims within 10 business days and will issue a temporary credit while they investigate if the charge appears unauthorized.
International calling and time zones
If you're outside the United States, the back of your card lists the international number for your country or region. These numbers route to the same customer service system but may have different hours depending on the time zone.
Bank of America also offers support through its website and app from anywhere in the world. If you're traveling and need to reach someone quickly, the app's messaging feature often has shorter response times than international phone lines.
Frequently Asked Questions
What's the best time to call Bank of America credit card support?
Weekday mornings between 8 a.m. and 10 a.m. Eastern time typically have the shortest waits. Avoid calling during lunch hours or late afternoon on weekdays. Weekends and evenings usually have longer queues.
Can I make a payment over the phone?
Yes. You can make a one-time payment by phone through the automated system or by speaking to a representative. Have your bank account information ready if you're paying from another bank. You can also set up automatic payments through the Bank of America app or website.
What if I can't reach a representative?
Try calling during business hours on a weekday, or use the Bank of America app to send a message to customer service. The app messaging system often has faster response times than the phone line, especially during peak hours.
Is there a number just for rewards questions?
The main line handles rewards questions, but some card products have a dedicated rewards line listed on the back of your card. Check your card or statement to see if a specialized number is available for your specific rewards program.
What if I'm calling from outside the US?
The back of your physical card lists the international customer service number for your country or region. You can also log into your account through the Bank of America website or app from anywhere to handle most requests without calling.