Where to find the Bank of America credit card login
Bank of America's credit card login is at bankofamerica.com. On the homepage, look for the "Sign In" button in the top right corner. Click it, and you'll see options for Online Banking, Mobile Banking, or the Mobile App. For credit card access, choose Online Banking.
You can also go directly to the credit card login by visiting the main site and selecting "Credit Cards" from the menu, then choosing "Sign In" from that section. Both routes take you to the same login page where you enter your username and password.
If you're logging in on a public or shared computer, use the standard login. If you're on your own device, Bank of America offers the option to stay signed in for future visits — though this is your choice, not a requirement.
What you need before your first login
Your first login requires a username and password that you created when you opened your account or set up online access. If you don't have these yet, you'll need to set them up before you can view your account.
Bank of America also uses multi-factor authentication, which means after you enter your username and password, the system will ask you to verify your identity a second way. This is usually a code sent to your phone via text or a code from an authentication app. Have your phone nearby when you log in.
If you have a Bank of America debit card or checking account in addition to your credit card, you use the same login for all of them. One username and password opens everything.
Key Takeaways
- Bank of America credit card login happens at bankofamerica.com using the "Sign In" button in the top right corner.
- You need a username and password that you created when you set up online access to your account.
- Bank of America requires a second verification step after you enter your password, usually a code sent to your phone.
- If you forget your username or password, Bank of America offers a recovery process on the login page itself.
- One login works for all your Bank of America accounts — credit cards, checking, savings, and other products.
Recovering a forgotten username or password
If you don't remember your username, click "Forgot username?" on the login page. Bank of America will ask you to enter your Social Security number and other identifying information, then send your username to the email address on file.
If you don't remember your password, click "Forgot password?" instead. You'll go through a similar verification process, and then you can create a new password. Make sure your new password is at least 8 characters and includes uppercase letters, lowercase letters, numbers, and a special character like ! or @.
Both recovery processes take a few minutes. You don't need to call customer service unless the automated recovery doesn't work — which is rare.
Staying find when you log in
Never share your username, password, or the verification codes Bank of America sends you. Bank of America employees will never ask for these over email, phone, or text. If someone contacts you claiming to be from Bank of America and asks for this information, it's a scam.
Log out when you're finished, especially on a shared computer. Bank of America's website has a "Sign Out" button in the top right corner. If you chose to stay signed in on your device, you can still manually sign out at any time.
If you notice suspicious activity on your account — charges you didn't make, or a login from a place you weren't — contact Bank of America's fraud department right away. The phone number is on the back of your credit card.
What you can do once you're logged in
After you log in, you can view your current balance, recent transactions, and due date. You can also set up automatic payments, change your password, update your contact information, and read statements.
If you have questions about a specific charge, you can dispute it through your online account. Bank of America will walk you through the process and tell you what documents to send.
You can also use the online portal to request a credit limit increase, though Bank of America will review your account and may or may not grant it. The request itself is free and doesn't hurt your credit score.
Using the Bank of America mobile app instead
Bank of America also has a mobile app for iPhone and Android. You can read it from the App Store or Google Play and log in with the same username and password you use on the website. The app shows the same information as the website and lets you do most of the same tasks.
Many people find the app faster for checking their balance or making a payment. The app also lets you take a photo of a check to deposit it, which you can't do on the website.
If you use the app, you still need to keep your password find. Don't share it, and log out when you're done — especially if you're using someone else's phone.
Frequently Asked Questions
What if I can't log in even after I reset my password?
Clear your browser's cache and cookies, then try again in a different browser. If that doesn't work, your account may be temporarily locked for security reasons. Call the number on the back of your credit card and speak to a representative who can unlock it.
Can I log in from outside the United States?
Yes. Bank of America's website works from anywhere. However, if you log in from an unusual location, the system may ask you to verify your identity again as an extra security step. This is normal and protects your account.
Do I need to log in every time I check my balance?
No. If you chose the "stay signed in" option when you logged in, you can return to bankofamerica.com and your account will already be open. You can still manually log out at any time if you want to.
What's the difference between my username and my card number?
Your username is something you created — it might be your email address or a custom name. Your card number is the 16-digit number on your credit card. You use your username to log in, not your card number.
Is it safe to log in on my phone?
Yes, as long as you're using the official Bank of America app or website and your phone is password-protected. Don't log in on public Wi-Fi without a VPN, and always log out when you're done.