Updated 2026-06-22
Bank of America credit card inactivity closure
BofA closes inactive cards anywhere from 6 to 24 months. Sometimes they warn you — sometimes they do not.
Wide reported window
Bank of America data points span from aggressive 6-month closures to accounts idle 2+ years. Customized Cash and Premium Rewards cards in the drawer show up often in closure reports.
Occasional 30-day notices
Some cardholders receive a mailed warning; many do not. Treat BofA like a strict issuer and charge at least quarterly.
Bank of America inactivity guide
See closure windows, warning behavior, and suggested charge cadence for Bank of America.
Read the Bank of America guide →Automate it on every card
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