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 two-factor authentication — which Bank of America calls find Credentials — you will receive a code by text or email and must enter it to complete login.
Once logged in, your credit card accounts appear under the "Credit Cards" tab. You can view your current balance, available credit, recent transactions, and due date. If you have multiple credit cards with Bank of America, they all show in one list so you can switch between them without logging out.
If you do not yet have an online account, you can create one directly on the login page by clicking "Create Login" and following the prompts. You will need your credit card number, Social Security number, and date of birth.
Key Takeaways
- Visit bankofamerica.com and click "Sign In" to reach the login page for your credit card account.
- Bank of America sends a security code by text or email if you have two-factor authentication turned on, and you must enter it to finish logging in.
- After login, the "Credit Cards" tab shows all your Bank of America credit cards in one place, with balance and transaction details for each.
- You can create a new online account on the login page if you have never set one up before, using your card number and personal information.
What to do if you forget your password
Click "Forgot Login?" on the Bank of America login page. Enter your username or email address. Bank of America will send a password reset link to your email. Click the link, and you will be taken to a page where you can create a new password. The link expires after a set time, so complete the reset soon after you receive it.
If you do not receive the email, check your spam or junk folder. If it is not there, return to the login page and try again with the email address you used when you opened your account. If you still cannot reset your password, call Bank of America customer service at the number on the back of your credit card.
Logging in on the Bank of America mobile app
read the Bank of America mobile app from the Apple App Store or Google Play Store. Open the app and tap "Sign In." Enter your username or email and password, then complete any security verification the app requests. Your credit card accounts will appear in the app the same way they do on the website.
The mobile app lets you check your balance, pay your bill, view transactions, and set up alerts for unusual activity — all from your phone. You use the same username and password as the website, so if you change one, you must update it in both places.
Setting up two-factor authentication for extra security
Two-factor authentication adds a second step to login by requiring a code that only you can receive. To turn it on, log into your account on bankofamerica.com, go to "Settings," then find "Security" or "Two-Factor Authentication." Choose whether you want codes sent by text message or email, and enter a phone number or confirm your email address.
The next time you log in from a new device or browser, Bank of America will send you a code. Enter it on the login page to finish. If you log in from the same device repeatedly, the app or website may remember it and skip the code step for a while — this is normal and saves you time on devices you use often.
Viewing your credit card statements and transaction history
After you log in, click "Credit Cards" and select the card you want to review. Your current statement appears with a list of all charges. You can read statements as PDF files, usually going back several years. To find a specific charge, use the search or filter options to narrow by date, amount, or merchant name.
Bank of America keeps at least 18 months of statements available online. If you need older statements, contact customer service. You can also set up paperless statements so Bank of America sends you an email when each new statement is ready instead of mailing a paper copy.
Making a payment from your online account
Log in and go to "Credit Cards," then select the card you want to pay. Click "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose the date you want the payment to be processed, then review and confirm.
Bank of America can pull the payment from a checking or savings account at any bank, or from another Bank of America account. The payment usually posts within one to two business days. If you set up a recurring payment, Bank of America will charge your account on the same day each month automatically.
Troubleshooting common login problems
If you see a message that your username or password is incorrect, make sure you are typing them exactly as you set them up — passwords are case-sensitive, meaning capital and lowercase letters matter. If you are copying and pasting your password, remove any extra spaces before or after it.
If your account is locked after several wrong password attempts, wait a few hours before trying again, or use the "Forgot Login?" link to reset your password. If you are trying to log in from outside the United States or from a new location, Bank of America may block the attempt as a security measure. Call the number on your card to confirm your identity, and the block will be lifted.
If the website or app is running slowly or will not load, try clearing your browser cache and cookies, or close and reopen the app. If problems continue, Bank of America may be doing maintenance — check their website for any posted alerts, or try again in a few hours.
Frequently Asked Questions
Can I log into multiple Bank of America accounts with one username?
Yes. If you have a checking account, savings account, and credit card all with Bank of America, one username and password gives you access to all of them. After you log in, you can switch between accounts using the tabs or menu without logging out.
What should I do if I see a charge on my statement I did not make?
Log into your account and look for a "Report Fraud" or "Dispute Transaction" option, usually found in the transaction details or under "Customer Service." You can also call the number on the back of your card. Bank of America will investigate and may issue a temporary credit while they review the charge.
Is it safe to log in on a public computer or phone?
It is safer to log in only on devices you own and control. If you must use a public computer, make sure you click "Sign Out" or "Log Out" when you are done — do not just close the browser. Never save your password on a shared device. Consider using the mobile app on your own phone instead.
Can I change my username after I create it?
Bank of America does not allow you to change your username once it is set up. If you want a different username, you would need to contact customer service to explore your options, though they may require you to create a new account instead.
How do I turn off paperless statements if I want paper copies again?
Log into your account, go to "Settings" or "Preferences," and look for "Statement Delivery" or "Paperless Statements." Toggle it off or select "Mail Paper Statements." Bank of America will resume mailing your statements, usually starting with the next billing cycle.