Does Bank of America close credit cards for inactivity?
Bank of America has closed cards anywhere from 6 to 24 months of inactivity. They sometimes mail a 30-day 'use it or lose it' notice, but not always.
Closure window
~6–24 mo
Advance notice
sometimes
Suggested charge
every 90d
How Bank of America's inactivity policy works
Bank of America sometimes warns you first, but not reliably. Like every issuer, they don't publish an official inactivity threshold, and the exact timing depends on factors like your overall relationship, credit line, and account age. Based on widely reported cardholder data, an unused Bank of America card is at risk somewhere between 6 and 24 months without a posted transaction.
How to keep your Bank of America card open
Put a small transaction on the card before that window closes, roughly 4 times a year for Bank of America. The charge can be tiny; what matters is that it posts. Then make sure the statement balance is paid (autopay is easiest) so the activity doesn't turn into a missed payment.
Don't want to track this yourself?
KeepCardAlive runs a $0.99 charge on your Bank of America card every 90 days automatically, so it never goes idle. Cancel anytime.
Keep my Bank of America card aliveInactivity windows are approximate, based on public reports, and not guaranteed. KeepCardAlive is not affiliated with Bank of America.