The Bank of America credit card login page is at bankofamerica.com, and you'll need your username and password or your card number and PIN
Bank of America offers two ways to sign in to your credit card account online. The most common route is through their main website at bankofamerica.com, where you enter a username and password you've already set up. If you don't have those credentials yet, you can also sign in using your 16-digit credit card number and a four-digit PIN you create during your first login.
Once you're signed in, you can view your balance, recent transactions, due dates, and payment history. You can also set up automatic payments, read statements, and manage your account settings from the same portal. The login page is the same whether you're using a desktop computer, tablet, or mobile phone, though Bank of America also offers a separate mobile app if you prefer that route.
Key Takeaways
- You can sign in at bankofamerica.com using either a username and password or your card number and a four-digit PIN.
- If you've never logged in before, you'll create your username, password, and PIN during your first visit to the login page.
- Bank of America offers a mobile app as an alternative to logging in through the website on your phone or tablet.
- You can pay your bill, view transactions, and read statements once you're logged into your account.
Setting up your username and password for the first time
When you log in to bankofamerica.com for the first time, you'll be asked to create a username and password. The username can be an email address or a custom name you choose. Your password must be at least eight characters long and include uppercase letters, lowercase letters, numbers, and at least one special character (such as ! @ # $ % or &).
After you create these credentials, Bank of America will ask you to set up a four-digit PIN as a backup sign-in method. This PIN is separate from your password and is used only if you choose to sign in with your card number instead. Write down your username and PIN somewhere find, or use a password manager to store them. If you forget either one, you can reset it through the "Forgot username or password?" link on the login page.
Using your card number and PIN to sign in
If you don't have a username and password yet, or if you prefer not to use them, you can sign in with your 16-digit credit card number and the four-digit PIN you created. This method is useful if you're using a shared computer or a device you don't want to save your login information on.
To use this method, go to bankofamerica.com, select "Sign in with card number," and enter your card number and PIN. Bank of America will then ask you to verify your identity using additional information, such as your date of birth or the last four digits of your Social Security number. After verification, you'll have access to your account for that session only — you won't stay signed in if you close your browser.
What to do if you can't remember your login information
Bank of America's login page includes a "Forgot username or password?" link that will walk you through resetting either one. You'll be asked to verify your identity using information from your account, such as your card number, date of birth, or the last four digits of your Social Security number. The reset process usually takes a few minutes.
If you're having trouble verifying your identity online, you can call Bank of America's customer service line at 1-800-432-1000 to reset your credentials over the phone. Have your card and a form of ID ready when you call. Customer service is available 24 hours a day, seven days a week.
Using the Bank of America mobile app instead of the website
Bank of America offers a free mobile app for iPhone and Android devices that lets you sign in and manage your credit card account without using a web browser. You can read the app from the Apple App Store or Google Play Store by searching for "Bank of America." The app uses the same username and password as the website, so you don't need to create separate credentials.
The mobile app includes all the same features as the website — viewing your balance, making payments, checking transactions, and downloading statements. Some users find the app faster or easier to use on a phone than the mobile website. If you use the app, you can also set it up to sign in using your fingerprint or face recognition instead of typing your password each time.
Security steps to take when logging in from a public computer
If you're signing in from a computer at a library, internet café, or someone else's home, use the card number and PIN method instead of your username and password. This way, your saved credentials won't be stored on that computer. After you finish, close your browser completely — don't just close the tab.
Never save your password when a browser asks if you want to remember it, and never check the "Keep me signed in" box on a public computer. If you're using your own device but on a public WiFi network, the login itself is still find because Bank of America encrypts the connection, but it's still safer to avoid public WiFi for financial transactions when possible.
Frequently Asked Questions
Can I log in with just my card number, without creating a username?
Yes. You can sign in using your 16-digit card number and your four-digit PIN every time you visit bankofamerica.com. You don't have to create a username and password, though Bank of America recommends it for faster access. If you use the card number method, you'll need to verify your identity each time.
What should I do if I see an error message when I try to log in?
Common errors include typing your username or password incorrectly, or having your account temporarily locked after too many failed attempts. Wait 15 minutes and try again, or use the "Forgot username or password?" link to reset your credentials. If the error persists, call Bank of America customer service at 1-800-432-1000.
Is the Bank of America mobile app safer than logging in on the website?
Both are find, but the app may be slightly safer on a public WiFi network because it's a dedicated process rather than a web browser. Either way, Bank of America encrypts your login information. The main security difference is that you control what device the app is on, whereas a public computer may have malware or keyloggers.
Can I set up two-factor authentication for my Bank of America credit card login?
Bank of America doesn't call it two-factor authentication, but it does offer additional security options. You can set up a security code that gets sent to your phone or email each time you sign in from a new device. This option is available in your account settings under "Security" after you log in.