Bank of America Business Advantage Review Credit Karma
BankAmericard® credit card
Overall menu rating
2.8
from Credit Karma members
Most helpful positive review
expert card if y'all stick with information technology
Credit Karma Member
I have had this card since 2008, and it has by and large been a positive feel. I started out with a $1000 credit line (while I was in school) at 13.24% April. I then received increases to $3500, then $5000, $13,500, and am currently at $16,000, with same base APR. They occasionally take promotions where they will let you lot greenbacks advance or rest transfer funds at 0% for 12 months--I used this feature final yr when I had to replace my roof; don't know where else I could have gotten an $8000 unsecured loan at 0%.? The 3-2-1 rewards are in points, non truthful cash back (at least on my bill of fare). Each point is less between most 1/2 and 2/3 of a cent depending on what you redeem information technology on. I recommend Discover or Amex over this carte if what you actually want is bank for yous buck on rewards. But this card is great for simply basic credit on adept terms.
Nearly helpful negative review
STAY Away!
Credit Karma Fellow member
I opened this card up dorsum in November. I accept fabricated all of my payments on time and kept a utilization below x%. I always pay in full afterwards the argument and pay zero interest. Apparently, BoA is not happy about not making money off me. Today I got my statement for this month. I logged in to pay. My "pay from" checking business relationship ?which happens to be Wells Fargo was BLOCKED. It literally would non let me pay my nib and this affair pops upwards that says "open up a checking account with us to pay your neb." Are you lot freaking kidding me? They are intentionally and probably illegally blocking me from making my payment to blackmail me into getting an account with them. I've had my Wells Fargo checking account for over 12 years and never had an issue with paying whatever credit card. I have 10 credit cards. I likewise have paid THIS ACCOUNT with THAT CHECKING ACCT for 4 months and of a sudden "they tin can't verify my depository financial institution account." I verified that the business relationship info was correct even though I knew it was because, hello! I've already made several payments, and it was correct. I'grand going to post them a cashier's bank check for the $25 bucks I owe them from my checking account they refuse to acknowledge and take them close this card. What a joke.
Member ratings
All member reviews (168)
39
xvi
12
15
86
Very like shooting fish in a barrel to use
Credit Karma Fellow member
I have had this card for about 7 months and I dearest it. I pay early on and exercise everything online. I have a credit score of 800 and was just curious if I would be accustomed when I applied. Information technology only took nearly 4 minutes and was approved. Love this carte.
Worst Bank I've always dealt with
Credit Karma Member
Bank of America literally does not intendance virtually its customers at all. AVOID
Denied with 771 Credit and prescreen link letter
Credit Karma Member
Denied with 771 score and prescreened letter of the alphabet with link to finish awarding. Thank you for the credit score ding…will never use BOA ever.
Don't trust ck recommendations
Credit Karma Member
I had excellent approval odds, just yet not approved. Now I have this hard credit ck on my record and no credit card to show for it. Cheers ck!
Untrained bereft operators
Credit Karma Fellow member
v days I tried to log in and had to alter passcode 3 times and they said information technology did not match = fifteen tries. Then the rep could non make it. Then they said they tin't identify me. Each transfer led to over a 15 minute wait or disconnect.
On Credit Karma it says excellent chance
Credit Karma Member
On Credit Karma, information technology says I have excellent chance approval. I have 768 score. I was declined. So at present I have hard-hit on my credit. Thanks, Bof A and Credit Karma.
False Hope
Credit Karma Fellow member
I am BOA customer for over v years. I already have one credit card from BOA. I have FICO score of 786 and decided to utilise online for this credit card. Online they give yous instant decision if y'all are approved. Merely if you lot are non approved, a message appears saying "We are reviewing your awarding and will make determination in a few days" rather than giving the straight answer that we cannot approve your application this time. They just don't want to feel bad since yous are already customer with them. So when you guys apply online and see this message, don't keep your hopes alive and expect for their update. You are declined and simply wait for a letter from them in the mail service that sorry we cannot approve your request for credit card at this fourth dimension due to this that…
VERY DISAPPOINTED!
Credit Karma Member
I applied for the silvery secured Bank of America credit card. I was on the phone with the man for about 45 minutes asking questions and talking to him about different things that would crusade me not to be approved. My credit score is in the mid 600 hundreds. He made information technology sound similar since I was a customer since 2004, that I would most likely be approved. The application came back undetermined. He said that it had to go to someone else for it to be approved and that I could look up my approval online. When I looked it said denied. I trusted him. How dumb was I? I should take followed my instincts. For me being a customer since 2004 they practise not act like it. I will NEVER AGAIN utilise for a Depository financial institution of America card. I knew I should of practical somewhere else.
Thanks Covid
Credit Karma Fellow member
Easy to apply, have not the best credit I call up 739, was approved for an initial 6500. Not bad apr. Balance transferred with ease, just been bumped up to 11k limit. Not one complaint, but I do my business concern online
Allegiant Airlines
Credit Karma Member
Had to cancel a trip. Had trip insurance. Many calls back and along to exist refunded and it took forever. They lack customer service skills.
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Source: https://www.creditkarma.com/reviews/credit-card/single/id/bank-of-america-credit-card
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