How do I set up Bank of America Unlimited Cash Rewards credit card automatic payments?

The easiest way you can set up automatic payments on your Bank of America credit card is by logging in to your online account. Alternatively, you can set up autopay by using the Bank of America mobile app. But in order to be eligible to make automatic payments on your Bank of America credit card, whether online or via the app, you must first be ... read full answerenrolled in electronic billing.

How to Set Up Bank of America AutoPay Online

1. Log in to your Bank of America online account.
2. Click on the Bill Pay tab, then select “Set Up AutoPay.”
3. Next, choose “Set Up Based on the eBill” to make payments based on the amount of each bill, or “Set Up a Regular Schedule” to make fixed payments at regular intervals (e.g. weekly).
4. Then, choose the account you will pay from, how much to pay, and the date on which you want the payment to be sent.
5. Finally, select “Start Sending Payments.”

To set up autopay through the BofA mobile app, just log in, go to the “Bill Pay” section, and tap “Add Autopay.” The rest of the procedure is the same as doing it online.

How to Make Automatic Payments from a Non-Bank of America Account

It’s also important to note that if you plan to make automatic payments from a non-BofA bank account, you will have to add its account number and routing number first.

1. Click “Manage Pay To/Pay From Accounts” under the Bill Pay tab.
2. Then, choose the “Add Pay From Account” tab.
3. Lastly, click “Add a Pay From account you own at another institution,” and fill in the details.

Automatic payments make it easy to never miss a due date, which means avoiding costly late fees. If you choose to pay your full statement balance automatically, you’ll avoid interest charges on purchases, too. Just remember to have enough money in the account you’re paying the bill from.

Bank of America rewards do not expire as long as the account is open and in good standing. You will forfeit any rewards you have yet to redeem if you or Bank of America closes your account for any reason.

Although Bank of America rewards don't expire until the account is closed, it's still a good idea to redeem your rewards as often as possible. Just bear in mind that Bank of America will not allow you to earn or redeem any rewards whenever you're late making the minimum payments.... read full answer

The credit score you need for the Bank of America Unlimited Cash Rewards credit card is 750 or better. That means people with excellent credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Bank of America Unlimited Cash Rewards credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the Bank of America Unlimited Cash Rewards credit card credit score requirement. You can check your credit score for free on WalletHub.