BankofAmerica.com/MyNewCard
The bankofamerica.com/mynewcard website is a portal for customers who have received a pre-selected credit card offer in the mail. The reservation number included in that mailing allows you to quickly access and apply for that specific offer online. It is an invitation to apply, not a final guarantee of approval.
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How to apply for a Bank of America mail offer
- Access the correct website. Visit the URL provided on your mail offer, which is typically bankofamerica.com/mynewcard or mynewcard.com.
- Enter your invitation code. You will be prompted to enter the 15-digit Personal Secure Code from your mailer. This code, along with your ZIP code, links you to the specific offer you received.
- Confirm your personal information. The application will be pre-populated with some of your details. You will need to verify this information and provide additional personal and financial details, such as your Social Security Number (SSN), total annual income, and employment status.
- Review the offer and submit. After reviewing the specific terms, you can submit the application. This will trigger a hard inquiry on your credit report.
- Receive a decision. In many cases, you will receive an application decision quickly, sometimes in under 60 seconds.
Key things to know about pre-selected offers
- It's an invitation, not approval: The pre-selection process involves a "soft pull" on your credit, which doesn't harm your score. The final application, however, will result in a hard inquiry that can temporarily lower your credit score by a few points.
- Offer is specific to you: The 15-digit Personal Secure Code ensures you are accessing the exact offer that was extended to you, which may include a special introductory rate, bonus, or unique terms not available to the general public.
- Validity period: These mail offers typically have an expiration date. You must apply before that date to be considered for the specific offer terms.
Before You Accept Offer
It is always a good idea to compare offers from competing banks and other sources before accepting a specific offer, including one received through bankofamerica.com/mynewcard or mynewcard.com. This targeted offer might be good, but it is not necessarily the absolute best option for your individual needs and financial situation.
There are the key factors to compare beyond just the sign-up bonus. Below are offers that might better suit your individual needs and financial situation:
If you are interested in checking whether you may qualify for a Citi credit card without affecting your credit score, see our guide to how Citi credit card prequalification works.
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.