Does Bank of America close credit cards for inactivity?
Bank of America can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
Reviewed 2026-08-27 by the KeepCardAlive Editorial Team.
Closure window
No published deadline
Advance notice
Not guaranteed
Suggested charge
every 90d
How Bank of America's inactivity policy works
Bank of America can review or close an account that goes unused. The issuer does not publish a universal inactivity threshold, and timing may vary by card product, credit line, account history, and broader banking relationship.
Do not treat forum timelines or individual cardholder reports as a deadline. A warning is not guaranteed, so monitor issuer messages and create posted activity with margin if you want to retain the card.
How to keep your Bank of America card open
Put a planned purchase on the card and check that it posts. Our suggested 4-times-per-year cadence is a maintenance reminder, not an issuer-published closure deadline.
Pay the statement balance in full and review each statement. No activity schedule can guarantee that an issuer will keep an account open.
Plan your next step
What counts as credit card activity?
Compare posted purchases, payments, fees, credits, and pending charges. Learn what to verify on an unused card and avoid costly activity workarounds.
Unused credit card checklist: keep, use, downgrade, or close
A practical checklist for unused cards, with a fee comparison, utilization example, account inventory, and clear steps to keep, downgrade, or close.
Credit card closed due to inactivity: what to do next
Use this recovery checklist after an inactivity closure: confirm the reason, ask about reinstatement, handle bills and rewards, and check your available credit.
Sources
Don't want to track this yourself?
KeepCardAlive schedules a $0.58 charge on your Bank of America card every 90 days. Review the receipt and card statement to confirm each charge posts. Cancel anytime.
Keep my Bank of America card aliveIssuer policies and account decisions vary. A suggested purchase schedule does not guarantee an account will stay open. KeepCardAlive is not affiliated with Bank of America.