Bank of america credit card billing address

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Bank of America reports information to all three major credit bureaus: TransUnion, Equifax and Experian. For eligible customers using consumer credit cards, the company also offers a free monthly FICO® Score from TransUnion.

What Credit Score Is Needed for a Bank of America Credit Card?

For many Bank of America credit cards, you should have a credit score of at least 670 or higher (FICO credit rating: good to excellent) if you want to maximize the chances of your application being approved. Bank of America offers cards for those building or rebuilding credit—like the Bank of America® Customized Cash Rewards Secured Credit Card*. In these cases, the company will accept a lower credit score but will typically require a security deposit upfront. The deposit is refundable upon account closure but may also be refundable upon an upgrade to an unsecured card once credit has strengthened or improved.

Is a Bank of America Credit Card Worth it?

Generally, a Bank of America credit card is a dependable, reliable choice with a well-established and long-standing financial institution. The multiple types of credit cards on offer make it a good choice for a wide variety of consumers, since it is likely Bank of America will have a card to meet or closely match your specific needs. If you’re attracted to Bank of America’s services and intend on banking with the company for a long time, a Bank of America-branded credit card will best augment your customership with the institution.

Bank of America Preferred Rewards

The Bank of America Preferred Rewards program offers increased rewards for increased business with Bank of America. There are three tiers in the program: Gold, Platinum and Platinum Honors. At each tier a customer will receive discounts on Bank of America products and an increase on rewards by 25%, 50% or 75% respectively.

The qualifying combined balances in eligible Bank of America accounts and/or Merrill investment accounts determines the reward tier. Qualifying deposit amounts set tier qualification: $20,000 for Gold, $50,000 for Platinum and $100,000 for Platinum Honors. Once a customer meets these qualifications, he or she can enroll in the Preferred Rewards program online for no extra cost.

Bottom Line

A credit card from Bank of America can be a great choice, especially for those with existing banking relationships with the company. By picking the best Bank of America credit card for your needs, you can build credit, earn rewards or simply ensure you have a secure and convenient way to make everyday purchases.

Shanghai, China | Bank of America, National Association Shanghai Branch

Units 4901&15-16, 53rd and 55th Floor,
International Finance Center, Tower 2
8 Century Avenue, Pudong New District
Shanghai, 200120
Tel: +86.21.6160.8888

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The Bank of America credit card payment address is:

P.O. Box 15019
Wilmington, DE 19850-5019

When paying Bank of America credit card bills by mail, be sure to submit either a check or money order for the payment amount. Bank of America does not accept cash.

Tips for Mailing Bank of America Credit Card Payments

• Include your credit card number on your payment to avoid processing delays.
• Allow enough time for Bank of America to receive your payment on or before the due date, or it will be considered late.
• Send your payment via overnight mail, if necessary. The Bank of America overnight payment address is:
   
  Attn: Payment Processing
  DE5-023-03-02
  900 Samoset Drive
  Newark, DE 19713

Credit card payments by mail take the longest to process of all the available payment methods. Alternatively, you can submit a payment from your online account, through the Bank of America mobile app, or by calling customer service at (800) 236-6497. Bank of America also allows in-person payments at local Bank of America branches. Refer to your card’s terms and conditions or cardmember agreement for any additional locations that accept in-person payments.

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