The main Bank of America credit card customer service number is 1-800-732-9194

This number works for questions about your Bank of America credit card account, rewards, payments, fraud, or account changes. You can call it 24 hours a day, 7 days a week. Have your card number or the phone number associated with your account ready when you call.

If you are calling from outside the United States, the number is 1-609-671-6000. International calls may incur charges depending on your phone plan. The wait time varies by time of day — early morning and late evening typically have shorter queues than midday.

Key Takeaways

  • Bank of America credit card support is available at 1-800-732-9194, open around the clock every day of the year.
  • You can also reach customer service through your online account, the mobile app, or by visiting a branch in person.
  • Have your card number, account PIN, or the last four digits of your Social Security number ready to verify your identity.
  • For fraud or a lost card, call the number on the back of your card — it routes to the fraud team faster than the main line.

What you can handle by phone

The customer service team handles account questions, payment issues, rewards inquiries, and changes to your account. You can report a lost or stolen card, dispute a charge, ask about your credit limit, request a credit line increase, or get information about your rewards balance and redemption options.

If you need to make a payment by phone, the representative can walk you through that process. You can also set up automatic payments during the call. For questions about specific rewards programs or promotional offers on your card, the phone team can explain the terms and help you understand what you have earned.

Other ways to reach Bank of America credit card support

You can log into your Bank of America account online at bankofamerica.com and use the find messaging tool to contact customer service. Responses typically come within one business day. This method works well for non-urgent questions or if you prefer a written record of the conversation.

The Bank of America mobile app also has a customer service chat feature. You can start a conversation with a representative without leaving the app. If you have a Bank of America branch near you, you can walk in and speak to someone in person about your credit card account — no appointment needed, though wait times vary by location and time of day.

What to have ready before you call

Gather your card number or the phone number linked to your account before dialing. You will also need to verify your identity, which usually means providing your PIN, the last four digits of your Social Security number, or your date of birth. If you are calling about a specific transaction, have the date and amount ready.

If you are disputing a charge or reporting fraud, write down the details beforehand — the merchant name, transaction date, and amount. This speeds up the conversation and ensures you do not forget anything important. If you are calling about a rewards question, knowing which rewards program your card carries (like Bank of America Cash Rewards or Bank of America Travel Rewards) helps the representative answer faster.

Reporting a lost or stolen card

If your card is lost or stolen, call the number on the back of your card when ready. This number connects you to the fraud and card replacement team, which is faster than the main customer service line. The representative will deactivate your card right away to prevent unauthorized charges.

You can request a replacement card during the same call. Bank of America typically ships a new card within 5 to 7 business days. In the meantime, you can use your online account or mobile app to make purchases if you have set up digital wallet payments. Ask the representative about temporary card options if you need to make a purchase before the replacement arrives.

Handling billing disputes and fraud claims

If you see a charge you do not recognize, call 1-800-732-9194 and tell the representative you want to dispute the transaction. They will ask for details about the charge and may file a dispute on the spot. Bank of America typically investigates disputes within 30 to 60 days and notifies you of the outcome in writing.

While the dispute is being investigated, you are not responsible for the charge. The representative can also place a temporary credit on your account if the charge is clearly fraudulent. If you notice multiple unauthorized charges, mention that during the call — it may indicate your card number was compromised, and the team can take additional security steps.

Frequently Asked Questions

Can I speak to someone right away or will I be on hold?

Wait times depend on call volume. Early morning (before 9 a.m.) and late evening (after 8 p.m.) usually have shorter waits. If you are on hold, you can ask the automated system to call you back instead of waiting on the line — you will receive a call when a representative is available.

What if I need help outside of business hours?

Bank of America credit card support is available 24/7, including weekends and holidays. The automated system can handle some requests (like reporting a lost card or making a payment) without speaking to a person. For complex issues, you may need to wait for a representative, but the line is always staffed.

Is there a number for rewards questions specifically?

The main number (1-800-732-9194) handles all credit card questions, including rewards. However, if your card is part of a co-branded program (like Bank of America with a specific airline), that program may have its own rewards line. Check the back of your card or your account statement for a program-specific number.

What if I am having trouble with my online account or app?

Call 1-800-732-9194 and tell the representative you are having technical issues. They can troubleshoot login problems, password resets, or app crashes. If the issue cannot be resolved by phone, they may escalate you to the technical support team or suggest visiting a branch to reset your access in person.

Can I set up a payment plan if I cannot pay my full balance?

Call customer service to discuss your options. Bank of America offers features like Balance Transfers and some promotional payment plans depending on your card type and account history. A representative can explain what is available for your specific situation and help you set it up during the call.