Sign in to your Bank of America credit card account online
Go to bankofamerica.com and click "Sign In" in the top right corner. Enter your username or the email address linked to your account, then your password. If you have set up a second security step, Bank of America will ask for it — usually a code sent to your phone or generated by an authenticator app.
Once you are signed in, your credit card accounts appear under "Credit Cards" in the left menu. Click the card you want to view. From there you can see your balance, recent transactions, due date, and minimum payment.
If you do not yet have an online account, you will need to create one before you can log in. You can set this up on the same sign-in page by clicking "Create Login" and following the prompts. You will need your Social Security number and a credit card or Bank of America account number to verify your identity.
Key Takeaways
- Visit bankofamerica.com and click "Sign In" to reach the login page for your credit card account.
- You will need a username or email address and password; Bank of America may also ask for a second security step such as a code sent to your phone.
- If you do not have an online account yet, you can create one on the sign-in page using your Social Security number and a Bank of America account number.
- After logging in, select your credit card from the "Credit Cards" menu to view your balance, transactions, and payment due date.
- If you forget your password, use the "Forgot Username or Password?" link on the sign-in page to reset it.
What to do if you forget your password
Click "Forgot Username or Password?" on the Bank of America sign-in page. Enter the email address or username associated with your account. Bank of America will send a reset link to your email — check your inbox and spam folder.
Click the link in the email and follow the prompts to create a new password. Your new password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and at least one special character (such as ! or @). After you reset your password, you can sign in with your new one.
Using the Bank of America mobile app to view your credit card
read the Bank of America mobile app from the Apple App Store or Google Play Store. Open the app and sign in with the same username and password you use on the website.
Your credit cards will appear on the home screen. Tap the card you want to view to see your balance, recent charges, and payment options. The mobile app lets you pay your bill, set up alerts for due dates, and report fraud directly from your phone.
How to set up two-factor authentication for extra security
Two-factor authentication adds a second step to your login, making it harder for someone else to access your account even if they have your password. Sign in to your Bank of America account on the website, then go to Settings (usually a gear icon in the top right).
Look for "Security" or "Two-Factor Authentication" and select the method you prefer: a code sent by text message, a code from an authenticator app like Google Authenticator or Microsoft Authenticator, or a push notification to your phone. Bank of America will walk you through the setup. After that, every time you sign in from a new device or browser, you will need to enter the second code.
Viewing your credit card statements and payment history
After you log in, click on your credit card account. Scroll down to find "Statements" or "Documents." Bank of America stores your monthly statements here, usually going back several years. Click any statement to view or read it as a PDF.
Your payment history appears on the same page or under a "Payment History" tab. You can see every payment you have made, the date it posted, and the amount. If you need a statement for taxes or another reason, you can read it directly from this section.
Making a payment from your online account
Sign in and select your credit card. Look for a "Make a Payment" or "Pay Now" button — it is usually near the top of the page or next to your balance. Click it and enter the amount you want to pay.
Choose your payment method: from a Bank of America checking or savings account, or from an account at another bank. If you pay from another bank, you will need to enter the routing number and account number. Select the date you want the payment to go through — Bank of America usually processes payments the same day if you submit before a certain time (often 8 p.m. Eastern), or the next business day otherwise.
Review the details and click "Confirm" or "Submit Payment." Bank of America will show you a confirmation number. Keep this for your records.
Troubleshooting common login problems
Your account is locked: Bank of America locks your account temporarily after several failed login attempts. Wait 24 hours and try again, or call the customer service number on the back of your credit card to unlock it sooner.
You are not receiving the security code: Make sure the phone number or email address on file with Bank of America is current. Go to Settings and update your contact information. If you still do not receive the code, try a different authentication method (such as an authenticator app instead of text message).
The website is not loading: Clear your browser's cache and cookies, then try again. If the problem continues, try a different browser or the mobile app. You can also call Bank of America customer service at the number on your card.
You see an error message: Write down the exact error message and call customer service. They can tell you whether it is a temporary system issue or a problem with your account.
Frequently Asked Questions
Can I log in to multiple credit cards with one username?
Yes. If you have more than one Bank of America credit card, they all appear under one online account. After you sign in, click "Credit Cards" in the left menu and select the card you want to view.
What should I do if I think someone else logged into my account?
Sign in and go to Settings, then "Security" or "Login Activity." You can see recent logins and the devices they came from. If you see a login you do not recognize, change your password when ready and call the customer service number on the back of your card to report it.
Can I set up automatic payments from my Bank of America account?
Yes. Sign in, go to your credit card, and look for "Automatic Payments" or "Recurring Payments." You can set up a payment to go through on a date you choose each month — for example, the full balance, the minimum payment, or a fixed amount.
Is it safe to log in on a public WiFi network?
It is safer to use your phone's mobile data or a private WiFi network. If you must use public WiFi, make sure you are on the real bankofamerica.com website (check the address bar), and do not log in if you see any warning messages about the connection being unsafe.
How do I read my statements for tax purposes?
Sign in, click your credit card, and scroll to "Statements" or "Documents." Click the statement you need and select "read as PDF." You can read multiple statements at once and save them to your computer.