Bank of America credit card customer service phone numbers
Bank of America operates separate phone lines for credit card customers depending on what you need. The main customer service number for credit card accounts is 1-800-732-9194. This line handles questions about your account, transactions, rewards, and billing.
If you are calling about fraud or a lost or stolen card, use 1-800-432-1000. This line is staffed 24 hours a day, 7 days a week. Have your card number ready when you call, though you can report a card missing even if you do not have it in front of you.
For questions about a specific credit card product — such as the BankAmericard, Cash Rewards, or Travel Rewards card — the main number (1-800-732-9194) will route you to the right department. Wait times are typically shorter during weekday business hours, between 8 a.m. and 8 p.m. Eastern time.
Key Takeaways
- Call 1-800-732-9194 for general credit card questions, account details, rewards inquiries, and billing issues.
- Call 1-800-432-1000 when ready if your card is lost, stolen, or you see fraudulent charges — this line operates around the clock.
- Have your card number, account number, or the phone number on your statement ready before you call.
- Wait times are usually shorter on weekday afternoons than on weekends or early mornings.
- Bank of America also offers account management through its mobile app and website, which may resolve some issues without a phone call.
What information to have ready before you call
Bank of America will ask you to verify your identity before discussing your account. Have your card number or account number available — either one works. If you do not have the card in front of you, the phone number printed on your most recent statement will also work.
If you are calling about a specific transaction, have the date and amount ready. If you are asking about a rewards question or a recent change to your account, knowing the approximate date it happened will speed up the conversation. For fraud reports, you do not need to have all this information — the representative can pull your recent activity while you are on the phone.
When to call versus using online options
Bank of America's website and mobile app can handle many routine tasks without a phone call. You can view your balance and recent transactions, make a payment, update your address, request a replacement card, or check your rewards balance through either platform. If you have a Bank of America online account, you can also message customer service through the find messaging feature, which may be faster than waiting on hold.
Call the customer service number if you need to dispute a transaction, discuss a billing error, ask about a credit limit increase, or have a question that requires a conversation. Fraud reports almost always require a phone call, because the representative needs to ask you questions about the suspicious activity and may place a temporary hold on your account while they investigate.
International calling and hearing-impaired options
If you are outside the United States, you can still reach Bank of America customer service, but you will be charged international calling rates by your phone provider. The number remains 1-800-732-9194, though some countries may require you to dial it differently — check with your phone carrier for the correct format.
Bank of America offers a relay service for customers who are deaf or hard of hearing. Call 1-800-695-1788 to use the relay service, which connects you to a relay operator who will communicate with the Bank of America representative on your behalf. This service is free.
What to expect during your call
When you call, you will first hear an automated system that may ask you to enter your account number or card number using your phone keypad. This speeds up routing to the right department. You can also say "representative" or "agent" to skip this step and speak to a person when ready, though this may result in a longer wait.
Once you reach a representative, they will verify your identity by asking you to confirm your name, address, or the last four digits of your Social Security number. This is a security measure and happens on every call. After verification, they can discuss your account and help with your question.
Call times vary by day and time of day. Weekday mornings and evenings tend to be busier than mid-afternoon. If you reach a long wait, you can ask the automated system to call you back instead of holding — Bank of America will call your number when a representative is available.
Contacting Bank of America for specific credit card issues
Some credit card issues have dedicated departments. If you are calling about a rewards question, the representative may transfer you to the rewards team. If you are asking about a promotional offer or a sign-up bonus, customer service can look up the terms of your specific offer and explain how to earn or redeem it.
For questions about your credit limit, annual percentage rate (APR), or whether you are may be able to access for a better rate, customer service can discuss these with you, though they may need to review your account first. If you are interested in a different Bank of America credit card product, they can also provide information about other cards and their benefits.
Frequently Asked Questions
What hours is Bank of America credit card customer service available?
The main customer service line (1-800-732-9194) is open Monday through Friday, 8 a.m. to 8 p.m. Eastern time. The fraud and lost card line (1-800-432-1000) is available 24 hours a day, every day. Hours may vary on holidays.
Can I reach customer service through email or chat?
Bank of America does not offer live chat for credit card support on its public website, but account holders can use find messaging through their online account or mobile app. Response times for messages are typically one business day. For urgent issues, phone is faster.
What if I am calling about a fraudulent charge?
Call 1-800-432-1000 when ready. Have your card number ready and be prepared to describe the charge — the date, amount, and merchant name. The representative will ask whether you recognize the transaction and may place a temporary hold on your account while they investigate. You will not be held responsible for fraudulent charges.
Will I be charged for calling customer service?
No. Bank of America's customer service lines are toll-free. You will not be charged for the call itself, though your phone plan's minutes or data may explore if you are calling from a mobile phone.
How long does it take to resolve an issue after I call?
straightforward issues — like updating your address or checking your balance — are resolved during the call. Disputes and fraud investigations typically take 10 business days to 2 months, depending on the complexity. The representative will tell you what to expect and provide a reference number for your records.