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You can apply online, but visiting a bank branch would put you face-to-face with a representative who may have more authority to get your application approved.
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To apply for a Bank of America credit card, you'll need your personal information, including Social Security number and total annual income. If my application is approved, when can I start using my new card? If you are approved and agree to your new credit card disclosures, you can start using your card right away. You will be provided your new To apply for a Bank of America credit card, you'll need your personal information, including Social Security number and total annual income. If my application is approved, when can I start using my new card? You'll receive your new credit card in 7-10 business days once your credit card application is approved. When you submit an application online for one of Bank of America's credit cards, we'll provide you with one of the following responses in as little as 60 seconds after submitting your application: Your application has been approved; Your application has been approved, but for a different card offer; We need more time to review your information Check the status of a Bank of America credit card application you've submitted within the last 90 days.