This offer is no longer available on our site: Bank of America® Unlimited Cash Rewards credit card
Bank of America® Unlimited Cash Rewards credit card
Great for simple cash back
Annual Fee: $0
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their Bank of America® Unlimited Cash Rewards credit card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $7,649, with $500 being the most common.
Here’s the average credit score of members who matched their Bank of America® Unlimited Cash Rewards credit card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 696, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
31.3%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
44 years
Average age of members who matched this card or similar cards.
$93,399
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
August 12, 2023
Perfect
— Credit Karma Member
My experience has been excellent, so far. This is my second BOFA credit card. I have savings, and checking accounts with them. $5000, $6000 credit lines. I signed on with 0% APR for 18 months, 200 cash bonus after spending 1000 within 90 days. Also, offered a Direct Deposist promo for the entire amount of my card less 3% one time transaction fee. That is accompanied with a 0% APR for 12 months. Both cards are really good. Lastly, I was pre-approved. On a soft check with 760 Transunion, 737 Experian and 754 Equifax, Fico 8 scores. I've been banking with BOFA for 4 years. I belonged to Wells Fargo and Citi Bank. I Have had better experiences with BOFA than previously mentioned.
Most helpful negative review
July 1, 2023
BofA makes sport of harming your credit score.
— Credit Karma Member
BofA, thank you for informing me that my June 2023 credit card application was denied, and for the advice on how I might better "understand and improve" my credit rating through "better money habits." But, since my credit score is always in the excellent range, I don't believe I am in need of that advice. I applied for this card because BofA sent me several prescreened invitations to do so. In fact, I am already a BofA credit card holder, I use my card several times monthly (even though it offers zero rewards) and I have never been late on a payment at any bank. And as I mentioned, my credit score is excellent. Last week, I received another of your prescreened offers so I applied. And now, I received your email that I was declined, again (similar experience with another BofA card last year.) I'm curious—if anger can be considered curiosity—why do you keep sending me pre-screened offers for new cards, just to decline my application? You already knew my credit score (which is always in the excellent range, with no negative reporting—ever.) Are you not aware that asking me to apply for more cards from you, only to deny my application (despite me excellent credit rating) harms my credit report? You have now done this to my credit report twice in the past 2 years. I check my credit report regularly and I know that there is nothing of concern, and if you have prescreened me with a soft pull then you surely already knew my credit score. In fact, you have done at least two hard pulls on my credit score in the last year or so, so you already knew every relevant aspect of my credit report before you sent me more prescreened invitations. Why then, did you send me this round of incessant letters begging for me to apply for this new card if I don't meet your criteria? Moreover, how many applicants' credit reports do you regularly harm with these unnecessary hard pulls, just because the applicant responded to your barrage of prescreened offers, and then submitted their largely pre-filled (by BofA) application? Clearly, the answer is: too many. I have had this experience with none of my other credit card providers, just you. Please learn how to how to prescreen more effectively so that your practice of pointlessly harming applicants credit scores is no longer your norm, as evidenced by all the negative reviews you have for this very practice. In the meantime, you can find examples of my reviews of BofA for this type of irresponsible behavior online, at sites including WalletHub, ConsumerAffairs, CreditKarma, and YouTube.