Will Bank of America close my credit card for inactivity?

Yes, Bank of America can close inactive cards

Bank of America can close a credit card if the account goes too long without a posted transaction. The card does not need to have a balance, and paying an old balance to $0 is not the same as ongoing activity.

If the card matters for credit history or available credit, treat it as needing periodic use even if it is a no-annual-fee card.

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.

Best prevention cadence

For Bank of America, quarterly activity is a practical minimum and monthly activity is safer if the card is important. The transaction can be tiny as long as it posts.

Pair the activity with statement-balance autopay so the card stays active without creating interest or missed-payment risk.