Bank of America® Unlimited Cash Rewards credit card
Bank of America® Unlimited Cash Rewards credit card
Apply now at Bank of America's secure site
Credit Cards»Bank of America Credit Cards»Bank of America® Unlimited Cash Rewards credit card
Bank of America® Unlimited Cash Rewards credit card
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Bank of America® Unlimited Cash Rewards credit card

Our rating:3.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at Bank of America's secure site
Intro Bonus
$200$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Reward Rates
1.5%Earn unlimited 1.5% cash back on all purchases.
Balance Transfers Intro APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
Purchases Intro APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Highlights

  • $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 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.
  • 0% Introductory 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% fee applies to all balance transfers.
  • 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.

Features

  • Cash Back
    Cash Back
  • No Annual Fee
    No Annual Fee

Staff Review

Editor's Rating:

3.8 out of 5

Our take: If you're a Bank of America Preferred Rewards program member at the Platinum tier or higher, the Unlimited Cash Rewards card is hands-down one of your best flat-rate cash back options. If not, you can probably do better.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.