Is it hard to get a Bank of America Unlimited Cash Rewards credit card? This question is about the Bank of America® Unlimited Cash Rewards credit card

Is it hard to get a Bank of America Unlimited Cash Rewards credit card?

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This question is about the Bank of America® Unlimited Cash Rewards credit card

Sydney Garth, Credit Cards Moderator

@sydneygarth • 10/15/21 This answer was first published on 10/15/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, it is hard to get the Bank of America® Unlimited Cash Rewards credit card because it requires at least excellent credit for approval. Unless your credit score is 750 or higher and you have a lot of income, it will be difficult for you to get approved for the Bank of America Unlimited Cash Rewards credit card.

In order to get the Bank of America Unlimited Cash Rewards credit card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN.

Keep in mind that even if you meet all of the requirements for the Bank of America Unlimited Cash Rewards credit card, you’re never guaranteed to be approved.

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What are the Bank of America credit score requirements?

The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from Bank of America with a bad credit score, for example.

Bank of America Credit Score Requirements by Card

Bank of America® Customized Cash Rewards Secured Credit Card: 300 (Bad credit)
Bank of America® Unlimited Cash Rewards Secured Credit Card: 300 (Bad credit)
BankAmericard® Secured Credit Card: 300+ (Bad credit)
Bank of America® Travel Rewards credit card for Students: 750+...

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What will my Bank of America credit card limit be?

Your Bank of America credit card limit will vary based on your creditworthiness. The lowest credit limit Bank of America would approve a card for is $200, which is the minimum deposit requirement for the BankAmericard® Secured Credit Card. Other Bank of America credit limits could start out much higher. The Bank of America® Premium Rewards® credit card, for instance, offers a $1,500 minimum credit limit for approved applicants.

Generally, cardholders with at least good credit have a better chance at receiving higher credit limits. Your actual credit limit will be determined based...

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How do I get a credit card for the first time?

To get a credit card for the first time, you should first check if you have any credit history, then compare cards and pick the best offer before applying. In order to be eligible to apply for your first credit card, you must be at least 18 years old and have enough income to afford monthly credit card payments. Below, you can learn more about the process of picking, applying for and getting your first...

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