Reply
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

Which BankAmericard is the easiest to obtain?

Looking to possibly apply with BOA....Which card do you guys think is the easiest to obtain from BOA?
 
 
BankAmericard Cash Rewards™ - 12.99-20.99% variable rate
 
BankAmericard Travel Rewards™  - 14.99-22.99% variable rate
 
BankAmericard®  -   10.99-19.99% variable rate
 
 
Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Super Contributor
CS800
Posts: 6,547
Registered: ‎04-07-2008

Re: Which BankAmericard is the easiest to obtain?


Tommy5746 wrote:
Looking to possibly apply with BOA....Which card do you guys think is the easiest to obtain from BOA?
 
 
BankAmericard Cash Rewards™ - 12.99-20.99% variable rate
 
BankAmericard Travel Rewards™  - 14.99-22.99% variable rate
 
BankAmericard®  -   10.99-19.99% variable rate
 
 

I would say the last one with no rewards. Although, BOA tends to be very strict on all their cards.

 




Established Contributor
snowkitty
Posts: 979
Registered: ‎09-10-2012

Re: Which BankAmericard is the easiest to obtain?


Tommy5746 wrote:
Looking to possibly apply with BOA....Which card do you guys think is the easiest to obtain from BOA?
 
 
BankAmericard Cash Rewards™ - 12.99-20.99% variable rate
 
BankAmericard Travel Rewards™  - 14.99-22.99% variable rate
 
BankAmericard®  -   10.99-19.99% variable rate
 
 

I would say the last one. I applied for that one several months ago and was denied and then they sent me an invitation for the 99/500 secured. You can see my scores below and they pulled all 3 of my credit reports.

 

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 7.5k | Boa Travel 9k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 13.5k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012

Re: Which BankAmericard is the easiest to obtain?

Was is 99/500?

Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012

Re: Which BankAmericard is the easiest to obtain?

[ Edited ]

PrettyNPink wrote:

Was is 99/500?


99/500 is partially secured card, a 99 deposit gets you a 500 limit

 

Also the standard bank americard is the easiest to get as there is no rewards program

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011

Re: Which BankAmericard is the easiest to obtain?


CS800 wrote:

Tommy5746 wrote:
Looking to possibly apply with BOA....Which card do you guys think is the easiest to obtain from BOA?
 
 
BankAmericard Cash Rewards™ - 12.99-20.99% variable rate
 
BankAmericard Travel Rewards™  - 14.99-22.99% variable rate
 
BankAmericard®  -   10.99-19.99% variable rate
 
 

I would say the last one with no rewards. Although, BOA tends to be very strict on all their cards.

 


All that and a little "flakey" at times too LOL  (Disclaimer: The BOAconstrictor is not my fav institution......)

Frequent Contributor
Mellon
Posts: 338
Registered: ‎08-31-2007

Re: Which BankAmericard is the easiest to obtain?

I was just approved for a $3500 CL on the Rewards card. FICO unknown but I'm sure its below 700. My EQ is 688 and TU 690. I also have a checking, savings and mortgage with them so I'm not sure if that helped with the approval or not

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012

Re: Which BankAmericard is the easiest to obtain?

How did you get the secured off of 99/500? When I look on their website, the secured card says it has to be a min deposit of $300

Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012

Re: Which BankAmericard is the easiest to obtain?

+1

Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012

Re: Which BankAmericard is the easiest to obtain?

[ Edited ]

jdirilo wrote:

How did you get the secured off of 99/500? When I look on their website, the secured card says it has to be a min deposit of $300


I've never had a secured card with BofA but have heard about the 99/500 offer before on the forums-its actually pretty well documented if you google it.

 

It seems like it's a counteroffer when you get denied for an unsecured card, similar to what amex does with the hard limit or autopay zync.  I know someone who actually once got an offer in the mail for it as well, so not sure but it might be targeted rather than available to the general public (and thus not available through the bofa website) as well.

 

 

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+