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Bank of America® Unlimited Cash Rewards credit card
BEST FOR: Our pick for earning unlimited cash back with 0% intro APR
Bank of America® Unlimited Cash Rewards credit card Review
This card makes it easy to earn cash back without having to change or track your spending habits, which we think is pretty valuable.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Bank of America® Unlimited Cash Rewards credit card
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on Bank of America's secure site
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Bank of America® Unlimited Cash Rewards credit card
SIGN-UP BONUS
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
REWARDS RATE
2% on all purchases for the first year from account opening. 1.5% cash back on all purchases after the first year from account opening
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APRs
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Rewards Rate
2% on all purchases for the first year from account opening. 1.5% cash back on all purchases after the first year from account opening
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- New Offer! Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Additional Info
Foreign Transaction Fee
3%
Balance Transfer Fee
3% for 60 days from account opening, then 4%
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for earning unlimited cash back with 0% intro APR
From the LendingTree editorial team, updated on May 28, 2025
This is a great card for anyone who wants to earn cash back without having to track categories or game a complicated rewards system. Cardholders get 2% on all purchases for the first year from account opening. 1.5% cash back on all purchases after the first year from account opening Plus, the welcome offer is pretty easy to achieve.
The Good
- The simplicity of the rewards rate is the real selling point for this card. You earn points every time you tap, swipe or insert your card, and the sky is the limit when it comes to racking up rewards. Plus, the lengthy 0% intro APR period on both balance transfers and purchases can help you save a bundle on interest. Just note that balance transfers may not be used to pay any account provided by Bank of America.
The Not So Good
- The sign-up bonus for this card isn’t anything to write home about.
The Bottom Line
This card makes it easy to earn cash back without having to change or track your spending habits, which we think is pretty valuable.
Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of America.
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0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
18.24% - 27.24% Variable APR
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Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Intro Purchase APR
0% intro APR for 21 months from account opening
Intro BT APR
0% intro APR for 21 months from account opening on qualifying balance transfers
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