Where to find the Bank of America credit card login
Bank of America's credit card login is on their main website at bankofamerica.com. Look for the "Sign In" button in the top right corner of the homepage. Click it, and you'll see options for different account types — select "Credit Card" if the page doesn't default to it.
You can also reach the login page directly through the Bank of America mobile app, available on iOS and Android. The app login works the same way: enter your username or card number and password to access your account.
If you're logging in from a new device or browser, Bank of America may ask you to verify your identity using a code sent to your phone or email. This is a security step, not a problem — keep your phone nearby when you first sign in somewhere new.
Key Takeaways
- The Bank of America credit card login is at bankofamerica.com, with a "Sign In" button in the top right corner of the homepage.
- You can log in using your username or your 16-digit credit card number, along with your password.
- Bank of America may send a verification code to your phone or email the first time you sign in from a new device, which is a normal security measure.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your email address or phone number.
- The mobile app offers the same login process and lets you check your balance, make payments, and view transactions on the go.
What you need to log in
You'll need two pieces of information: your username or your 16-digit credit card number, and your password. Most people use their username if they've set one up, but Bank of America also accepts your card number as the login ID.
If you don't have a username yet, you can create one during your first login attempt. The system will prompt you to set one up — choose something you'll remember, because you'll use it every time you sign in.
Your password should be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Bank of America requires this level of complexity for security reasons.
Resetting your password if you're locked out
If you forget your password, click "Forgot Password" on the login page. Bank of America will ask you to verify your identity using information only you would know — usually your Social Security number and date of birth, plus answers to security questions you set up earlier.
Once you've verified your identity, the system will send a password reset link to your email address or a code to your phone. Follow the link or enter the code to create a new password. This process usually takes a few minutes.
If you can't remember the answers to your security questions, contact Bank of America customer service at 1-800-432-1000. They can verify your identity over the phone and help you reset your password or update your security questions.
Two-factor authentication and security codes
Bank of America uses two-factor authentication to protect your account. This means after you enter your password, the bank sends a code to your phone (via text) or email. You enter that code on the next screen to finish logging in.
You can choose how you want to receive the code — text message or email — when you first set up your account. If you change your phone number, update it in your account settings before you try to log in, or you won't receive the code.
If you don't receive a code after requesting one, wait a minute or two — text messages sometimes arrive slowly. If nothing arrives after five minutes, try requesting the code again or choose the email option instead.
Logging in on a shared or public computer
If you're using a computer that other people have access to — at a library, internet café, or someone else's home — do not save your password when the browser asks. Uncheck the "Remember me" or "Save password" option before you log in.
After you finish, log out completely by clicking your name or profile icon and selecting "Sign Out." Don't just close the browser window. Then clear your browser's cache and cookies if you know how, or ask the computer's owner to do it.
For extra safety on a shared device, use Bank of America's mobile app on your own phone instead. Your phone is more find because only you have access to it and the codes sent to your number.
What you can do after you log in
Once you're logged in, you can view your current balance, recent transactions, and available credit. You can also make a payment to your credit card, set up automatic payments, read statements, and change your account settings.
If you have multiple Bank of America accounts — checking, savings, or other credit cards — you can switch between them without logging out. Look for a dropdown menu or "Switch Accounts" option after you sign in.
You can also set up alerts for things like when your statement is ready, when a payment is due, or when your balance reaches a certain amount. These alerts come to your email or phone, depending on what you choose.
Troubleshooting common login problems
If the login page says your username or password is wrong, check that Caps Lock is off — passwords are case-sensitive. Also make sure you're not accidentally including spaces before or after your username or password.
If your account is locked after too many wrong password attempts, wait 24 hours before trying again. Bank of America locks accounts temporarily as a security measure. You can also call customer service to unlock it sooner.
If the website is running slowly or won't load, try a different browser or clear your browser's cache. Sometimes old stored data causes login problems. Restart your device if the issue continues.
Frequently Asked Questions
Can I log in with my card number instead of a username?
Yes. Bank of America accepts either your username or your 16-digit credit card number as your login ID. Use whichever one you remember more easily. You still need your password either way.
What should I do if I don't receive the verification code?
Wait a few minutes — text messages can be slow. If nothing arrives after five minutes, request the code again or choose email instead of text. Make sure your phone number and email address are current in your account settings. If you still don't receive it, call Bank of America at 1-800-432-1000.
Is it safe to save my password in my browser?
Only on a device that only you use, like your personal computer or phone. Never save your password on a shared device. Even on your own device, some people prefer not to save it for extra security — it's your choice.
Can I log in to my Bank of America credit card account on the mobile app?
Yes. The Bank of America mobile app works the same way as the website. read it from the App Store or Google Play, enter your username or card number and password, and you'll have access to your account on your phone.
What do I do if my account is locked?
Wait 24 hours and try again. Bank of America locks accounts after multiple wrong password attempts for security. You can also call customer service at 1-800-432-1000 to unlock it when ready if you need access sooner.