How to close a bank of america credit card?

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Closing a Bank of America credit card requires a few simple steps to ensure a smooth and hassle-free process. Whether you’re looking to close your card due to high fees, changing financial needs, or simply wanting to simplify your credit card portfolio, this article will guide you through the necessary steps to close your Bank of America credit card.

Step 1: Pay off Your Balance

Before closing your Bank of America credit card, it is essential to pay off any outstanding balance. This ensures that you don’t leave any unpaid debt behind. You can make a payment online through the Bank of America website or mobile app, by calling customer service, or by visiting a Bank of America branch.

Step 2: Redeem Any Rewards

If your Bank of America credit card offers rewards such as cashback, travel points, or other benefits, make sure to redeem them before closing the card. Check your rewards balance and explore the available redemption options. You can typically redeem rewards for statement credits, travel bookings, merchandise, or gift cards. Take advantage of any earned rewards before closing the card.

Step 3: Contact Customer Service

To officially close your Bank of America credit card, you need to contact customer service. You can find the customer service phone number on the back of your credit card or on the Bank of America website. When you call, be prepared to provide your account information and answer security questions to verify your identity.

Step 4: Request Card Closure

Once you are connected with a Bank of America representative, inform them that you would like to close your credit card account. They may ask for a reason, but it is not mandatory to provide one. Stay firm in your decision if you are certain about closing the card.

Step 5: Confirm Closure

After requesting the closure of your Bank of America credit card, the representative will confirm the details with you. They may provide information about any remaining balances, outstanding transactions, or pending rewards. Take note of these details for your records.

Step 6: Follow Up

To ensure that your Bank of America credit card is successfully closed, it is advisable to follow up after a few days. Check your online banking or contact customer service to confirm that the closure has been processed. This step helps to avoid any potential issues or misunderstandings.

Additional Considerations

Impact on Credit Score: Closing a credit card can impact your credit score, especially if it is one of your oldest accounts or if it significantly reduces your overall available credit. Consider the potential effects on your credit score before closing a credit card.

Alternative Options: If you are considering closing your Bank of America credit card due to high fees or unfavorable terms, you may want to explore alternative options. Contact Bank of America customer service to discuss potential solutions, such as product changes or fee waivers, that may better suit your needs.


Closing a Bank of America credit card involves a few straightforward steps. First, pay off your balance and redeem any rewards. Then, contact customer service to request the closure and confirm the details. Follow up to ensure the closure is processed correctly. Keep in mind the potential impact on your credit score and explore alternative options before making a final decision.