To activate your Bank of America credit card, all you need is online access or a call with a Bank of America customer support representative. No matter which activation option you choose, the process shouldn’t take more than a few minutes and you’ll be able to use your credit card immediately upon activation. Show
To use this option, you must be enrolled in online banking. If you’re not, you can enroll using your Social Security number or Tax ID Number, and the last six digits of your card or bank account number. Once you signup, here’s how to activate your card:
If you prefer calling a bank representative to assist you:
Another option is to use the Bank of America mobile app.
Now that you have your new Bank of America credit card active, here’s what you can do to maximize rewards and optimize your credit card:
Activate your Bank of America credit card online, by phone or by using Bank of America’s mobile app. Consider adding one of the best secondary credit cards to your wallet to increase your credit limit, get additional perks or earn a new signup bonus. If you have a new credit card from another brand, learn how to activate your card using our guide. Make smarter financial decisions by staying up-to-date with the hottest news in the world of personal finance. Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading. More guides on FinderYour fancy new card just arrived in the mail, and you’re itching to break it in. But wait, there’s one last step to take: activating. Most major credit card issuers make it pretty easy for you to activate a credit card online or by phone. Here’s an issuer-by-issuer breakdown on how to activate and use your new card. Activating a New Credit CardWhen you apply for a new card and are accepted, you’ll usually receive the physical card via standard mail within 7–10 days. It can sometimes arrive sooner, and you may be able to request expedited shipping from the card issuer. If one of your credit cards is lost or stolen and you request a new one, you’ll need to activate that card once you receive it. Most of the time, your credit card will arrive in a nondescript white envelope (standard or large), with a sticker on the front of the card showing you a phone number and potentially a website for activation. After activating online or by phone, your new card will usually be ready for use immediately. Take note that your account is probably open even if you don’t activate your card, because when applying you usually agree that you want the account if approved. Information to Have When Activating a Credit CardYou may need to have the following pieces of information handy when you call or go online to activate a credit card:
The information you’ll need varies by issuer and can depend on whether you already have another account with the company as well (you may need to confirm less information if you’re logged in to your account). If you’re calling to activate a new card, call from the phone number associated with your credit card account to avoid having to provide additional information. American ExpressAmerican Express allows you to activate your new Amex credit card by:
Activating a Corporate Amex Card
Activating a Prepaid Amex CardIf you have a prepaid American Express® Serve® (Review) card, you need to:
Activating an Amex Gift CardIf your American Express gift card requires activation, follow the instructions on the card. Amex recommends that you note the following information in case your gift card is lost or stolen:
Bank of AmericaTo activate a Bank of America credit card:
BarclaysYou can activate a Barclays credit card in two ways:
Capital OneYou can activate your Capital One credit card by:
ChaseMost Chase credit cards are on the Visa network, but you can activate any of them online or by phone:
CitiYou can activate your Citi credit card:
Credit OneYou can only activate Credit One credit cards by:
Credit One’s general customer service number is 1-877-825-3242. DiscoverLike many issuers, you can activate a Discover credit card in a few ways:
IndigoTo activate your Indigo® Platinum Mastercard® (Review):
You can also reach Indigo’s customer service department at 1-866-946-9545. USAATo activate your USAA credit card:
WalmartTo activate the Walmart Rewards Mastercard (Review) or the Walmart Rewards Card (Review), which are both issued by Capital One, you can:
Wells FargoActivate your Wells Fargo credit card by:
Activating a New Credit Card in Your Mobile WalletIf you use a mobile wallet, like Apple Pay or Google Pay, you can add a new card there once it’s been activated. Replacement cards will usually update automatically in the app. Sometimes if you’re replacing a credit card that is already in your mobile wallet, the new card may automatically appear there (where it can be used for purchases) even before you receive your new physical card. What If I Don’t Receive My New Credit Card?If you’ve been approved for a new credit card and haven’t received it after about 21 days, you should contact your credit card issuer to ensure it hasn’t been activated by someone else who is using your card to commit fraud. It may have also been lost in the mail, so the company might need to issue you another card. Getting a New Credit CardSome additional things to know about getting a new card:
How do I activate my credit card on Bank of America?The quickest way to activate your personal credit card is with your Online Banking ID and Passcode. We'll confirm your identity, verify your card and get you on your way. If you don't use Online Banking yet, simply enroll to activate your credit card. Already have an Online ID?
How do I activate my credit card number?How to activate your credit card by phone. If you prefer to activate your credit card via phone, call the number on the activation sticker attached to your card — or, if the credit card issuer doesn't provide a separate activation phone number, call the number on the back of your card.
Do Bank of America credit cards come activated?Bank of America cardholders must create an online banking ID and passcode or use an existing account to begin the process of activating a new card. After your identity has been confirmed, the card will be activated and ready to use.
How do I activate my credit card at home?How to activate new credit card? To activate a new credit card, you can use both online and offline steps. To activate credit card online, you need to log in to the online banking portal or the mobile application of your bank. Select the 'Activate Credit Card' option and follow the prompts.
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