Getting into your Bank of America credit card account online
To log into your Bank of America credit card account, go to bankofamerica.com and click "Log In" in the top right corner. Enter your username or the email address tied to your account, then your password. If you have set up a second security step — usually a code sent to your phone or generated by an app — you will enter that next. Once you clear both steps, you land on your dashboard where you can see your balance, recent charges, and payment options.
The login page is the same whether you are checking a credit card, checking account, or savings account. Bank of America groups all your accounts under one username, so if you have multiple cards or accounts with them, they all appear after you log in.
Key Takeaways
- Visit bankofamerica.com and use the "Log In" button at the top right to reach the login page.
- You can log in with your username or the email address registered to your account, plus your password.
- Bank of America requires a second security step — usually a code texted to your phone — before you can access your account.
- After login, you can view your balance, recent transactions, make payments, and read statements from one dashboard.
- If you forget your password, use the "Forgot username or password?" link on the login page to reset it.
What you need before you log in
You will need two things: a username (or the email address on file) and a password. Bank of America sends you both when you first set up online access to your credit card. If you signed up in person at a branch, check your email for a message from Bank of America with setup instructions. If you opened the card online, you created these during that process.
You will also need access to the phone number or email address tied to your account, because Bank of America will send a security code there after you enter your password. This is the second security step and you cannot skip it. If your phone number or email has changed since you opened the account, update it before you try to log in — you can do this by calling Bank of America at the number on the back of your card.
Resetting a forgotten password
On the Bank of America login page, click "Forgot username or password?" below the password field. You will be asked to enter your Social Security number or tax ID and your date of birth. Bank of America uses this to confirm your identity. After you verify, you can choose to reset your password or recover your username.
If you choose to reset your password, Bank of America will send a link to the email address on file. Click that link and create a new password. Your new password must be at least 8 characters long and include at least one number and one capital letter. Once you save the new password, go back to the login page and try again with your new credentials.
Setting up the mobile app as an alternative
Bank of America also offers a mobile app for iPhone and Android. You can read it from the App Store or Google Play, then log in with the same username and password you use on the website. Many people find the app faster for checking their balance or making a quick payment, especially if they are already on their phone.
The app works the same way as the website — you enter your login information, complete the security step, and then see all your accounts and cards. You can set up fingerprint or face recognition login on the app so you do not have to type your password every time. This is optional, but it speeds things up if you check your account often.
What you can do after you log in
Once you are logged in, you can view your current balance, see all charges from the past several months, set up automatic payments, or make a one-time payment right away. You can also read statements as PDF files, update your contact information, set up alerts for large charges or missed payments, and change your password.
If you have multiple Bank of America cards or accounts, they all show up on the same dashboard. You can switch between them by clicking the account name or number. This makes it straightforward to check your credit card balance, then move to your checking account, all without logging out and back in.
Troubleshooting common login problems
If you enter your password and get an error message saying it is wrong, make sure Caps Lock is not on — passwords are case-sensitive. If you have tried several times and keep getting rejected, your account may be temporarily locked for security. Wait 24 hours and try again, or call Bank of America at the number on the back of your card to unlock it.
If you do not receive the security code text or email, check your spam folder first. If it is not there, the phone number or email on file may be outdated. Call Bank of America to update it, then try logging in again. If you still do not receive the code, a Bank of America representative can help you log in over the phone by verifying your identity another way.
Keeping your login information safe
Never share your username, password, or security codes with anyone — not even Bank of America employees. Bank of America will never ask you for your password by email, text, or phone. If you receive a message claiming to be from Bank of America and asking for login details, it is a scam. Delete it and do not click any links.
Use a unique password for your Bank of America account — do not reuse the password from other websites. If you have trouble remembering it, consider using a password manager like Bitwarden or 1Password, which stores passwords securely and fills them in for you. Change your password every few months, especially if you think someone else may have seen it.
Frequently Asked Questions
Can I log in to my Bank of America credit card account without a phone or email for the security code?
No. Bank of America requires a second security step for every login, and that step is always a code sent to your phone or email. If you do not have access to either, call Bank of America at the number on the back of your card and they can walk you through the login process over the phone instead.
What if I have not used my Bank of America account in a long time?
Your login credentials should still work. Go to bankofamerica.com, enter your username and password, and complete the security step. If you get an error, your account may have been closed due to inactivity, or your password may have expired. Call Bank of America to find out what happened and what you need to do next.
Can I log in to my credit card account from outside the United States?
Yes, you can log in from anywhere in the world as long as you have internet access. However, Bank of America may flag unusual login locations for security reasons and ask you to verify your identity in an extra way. This is normal and takes just a few minutes.
Is it safe to log in on a public Wi-Fi network?
It is safer to use your home or mobile network, but if you must use public Wi-Fi, make sure you are on the real Bank of America website (check the URL carefully) and never log in on a shared computer. Consider using a VPN if you log in often from public networks, though this is not required.
What should I do if I think someone else has logged into my account?
Call Bank of America when ready at the number on the back of your card. They can review your recent login activity, lock your account, and help you change your password. If you see unauthorized charges, report them at the same time — Bank of America has a fraud process for credit card charges.