Bank of America Adds 24-Month Rule to Some Credit Cards

Bank of America is tightening the rules on their credit cards. In addition to the 2/3/4 rule, two new ones regarding signup bonuses were recently introduced.

There are two levels to the rule:


“This [card] will not be available to you if you currently have [card] UNLESS you have had that [card] for at least 24 months.”

TLDR: You can’t get the same card if you have had the product for less than 24 months. It seems to imply that you can have multiple of the same card, but you just have to wait 24 months before adding another one.


“This [card] will not be available to you if you currently have or have had a [card] in the preceding 24 month period.”

TLDR: You can’t get the same card if currently have or had it for less than 24 months.

Bank of America 24-Month Rule

Below is a chart that outlines the Bank of America products and which level of the 24-month rule applies to it.

Cards with “N/A” next it means that the 24-month rule was not found in the terms and conditions of the card.

It seems like business cards are not currently affected by the 24-month rule, along with some co-branded cards.

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