Chip Lupo, Credit Card Writer
@CLoop
Yes, the Bank of America Unlimited Cash Rewards credit card reports to the credit bureaus every month, within days after the cardholder’s billing period closes. Bank of America reports the card’s credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.
Once the Bank of America Unlimited Cash Rewards credit card reports your account information to a credit bureau, it may take a few days from when the bureau receives the info before the updates appear on your credit report. Keep in mind that new Bank of America Unlimited Cash Rewards credit card users may not see any credit account info on their credit report for one or two billing periods after being approved for an account.
To see what information Bank of America is reporting to the credit bureaus on your Bank of America Unlimited Cash Rewards credit card account and when it’s being reported, sign up for a WalletHub account for daily updates on both your credit report and your credit score.
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You need a credit score of 750+ to get the Bank of America Customized Cash Rewards credit card. 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 Customized Cash Rewards credit card, too.
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The easiest Bank of America credit card to get is the Bank of America® Customized Cash Rewards Secured Credit Card because applicants can get approved with bad credit. This means the odds of approval are good even with a credit score below 640. On the other hand, the majority of Bank of America credit cards require excellent credit in order to qualify.
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