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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.
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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
1.5% cash back on all purchases.
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, 18.74% - 28.74% Variable APR on purchases and balance transfers 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%.
Rewards Rate
1.5% cash back on all purchases.
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.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 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 18.74% - 28.74% 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%.
- 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 Nov 08, 2024
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 a simple but valuable cash back rate on all purchases, and the welcome offer is pretty easy to achieve, too.
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.
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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How LendingTree Gets Paid
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all credit cards available in the marketplace.
Apply Now
on Bank of America's secure site
Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases.
See Our Review
Apply Now
on Citibank's secure site
Intro Purchase APR
0% intro APR for 12 months on Purchases
Intro BT APR
0% intro APR for 21 months on Balance Transfers
Regular Purchase & BT APR
18.49% - 29.24% (Variable)
See Our Review
Apply Now
on Citibank's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
18.49% - 28.49% (Variable)
See Our Review