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Bank of America Referral Code
Credit Card Refer a Friend and Preferred Rewards
Explore Bank of America banking, credit cards, loans and Merrill investing. A credit card Refer a Friend program exists; specific offer details appear on the official referral landing page.
Genie Says
Bank of America pays $100 in cash rewards or 10,000 points for each friend or family member approved on an eligible credit card through your referral link, up to $500 or 50,000 points a year. Two things matter here that a generic "Bank of America referral" framing misses. First, this only covers three card products today — Customized Cash Rewards, Unlimited Cash Rewards and Travel Rewards — with no referral programme at all for checking, savings or Merrill investing accounts. Second, access is targeted: Bank of America has not published who qualifies, and not every cardholder sees the referral option, so check your app or online banking directly rather than assuming you have it. The friend you refer gets that card's standard welcome offer, which exists whether or not they used your link.
How much can you earn?
Share your own code and earn rewards when friends use it
$100 in bonus cash rewards or 10,000 points per approved friend or family member account opened, up to $500 or 50,000 points per year.per successful referral*
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How to Use a Bank of America Referral Code
Get a referral link
Find a Bank of America credit card referral link shared by an existing cardholder, for example on GiveRefer.
Review the official offer
Open the link to the official bankofamerica.com landing page and read the card offers and bonus terms shown there, since they vary by card and change over time.
Apply through the link
Complete the credit card application directly on the Bank of America page so the referral is tracked and any advertised offer applies to you.
Use your new account
Once approved, meet any requirements listed in the offer terms, and consider Preferred Rewards to grow your benefits over time.
Reward Details
- Your Reward
- Not a referral reward as such — the referred friend gets the standard welcome offer that applies to the credit card they open, independent of the referral link.
- Referrer Reward
- $100 in bonus cash rewards or 10,000 points per approved friend or family member account opened, up to $500 or 50,000 points per year.
- Minimum Purchase
- The referred friend must apply through your personalised link and get approved for an eligible card; no purchase is required beyond normal card approval.
- Validity
- Currently limited to three card products: Customized Cash Rewards, Unlimited Cash Rewards and Travel Rewards. Bank of America has said it plans to expand to more cards.
- Available In
- USA
- Referral Limit
- Capped at $500 or 50,000 points per calendar year.
- Payout Time
- Paid roughly 60 days after the referred friend's card is approved.
- Eligibility
- This is a targeted, invite-only rollout — not every eligible cardholder currently sees the referral option in their app or online banking, and there is no published rule for who gets access. It applies only to credit cards; there is no referral programme for Bank of America checking, savings or Merrill investing accounts.
Why Choose Bank of America?
Manage checking, savings, credit cards, loans and Merrill investing from one login, with a mobile app available for iPhone, iPad and Android devices.
Existing Bank of America cardholders can share a referral link with friends. The referred friend applies through the official landing page, where the current card offers and any bonus terms are displayed.
The Preferred Rewards program boosts benefits, including increased credit card rewards, as your combined Bank of America and Merrill balances grow.
Better Money Habits offers free guidance on savings, home equity, CDs and money-saving challenges to help you build financial know-how.
The Security Center in Mobile and Online Banking shows a security meter that rises as you take actions to help protect your accounts against fraud.
About Bank of America
Bank of America offers checking and savings accounts, credit cards, loans and Merrill investing, plus a Refer a Friend option for its credit cards. Exact referral offers are shown on the official invitation page when you use a referral link.
Bank of America is one of the largest banks in the United States, offering checking and savings accounts, credit cards, home and auto loans, and investing through Merrill. Its stated purpose is to help make financial lives better through the power of every connection, and it backs that up with free Better Money Habits financial education content and a highly rated mobile banking app for iPhone, iPad and Android.
Bank of America runs a Refer a Friend program for its credit cards. Existing cardholders can share a personal referral link, and friends who apply through that link see the specific card offers and any bonus terms directly on the official Bank of America landing page. Reward amounts and conditions vary by card and by offer, so always read the terms shown with the referral invitation itself.
Beyond referrals, loyal customers can benefit from Preferred Rewards, Bank of America's loyalty program that increases benefits such as credit card rewards as your combined balances grow. Combined with in-app tools like the Security Center meter, it is designed to reward customers for consolidating their everyday banking and investing in one place.
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What Users Say About Bank of America
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