Bank of America 24-month bonus rule
Many Bank of America cards carry a 24-month bonus condition: no bonus if you have had that card in the past 24 months. Enforcement is reported as inconsistent, and Bank of America has no published language restricting repeat welcome offers in general, so check the terms on your specific offer. Business card bonus offers are for new accounts only and do not apply to converting an existing account.
Unpublished rule: the issuer does not publish this rule. It is documented by at least two independent guides below — treat it as a reported pattern, not a guarantee.
Key takeaways
Many Bank of America cards carry a 24-month bonus condition: no bonus if you have had that card in the past 24 months. Enforcement is reported as inconsistent, and Bank of America has no published language restricting repeat welcome offers in general, so check the terms on your specific offer. Business card bonus offers are for new accounts only and do not apply to converting an existing account.
Repeat applicants for Bank of America personal cards, and businesses applying for a second business card.
Who it applies to
Repeat applicants for Bank of America personal cards, and businesses applying for a second business card.
How to count
- Check whether you have held that exact card in the past 24 months.
- Read the offer terms on your application: enforcement varies by offer.
- Business: a business that has or had a Bank of America business card in the past 24 months may be declined for another.
Calculator (estimate)
Enter the date you received the bonus on that card. The calculator adds the waiting period.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
Can I earn a Bank of America welcome bonus twice on the same card?
Sometimes: Bank of America has no general published ban on repeat bonuses, but many offers carry the 24-month condition, enforced inconsistently. Your offer's terms govern.
Does the 24-month rule apply to business cards?
Business cards have their own version: bonus offers are for new accounts only, and a business with a Bank of America business card in the past 24 months may be declined for another.
Sources
- Travel Summary — Credit card application rules (Bank of America 24-month)
- Miles — Application rules (Bank of America 24-month, business)
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