Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

on Bank of America's website, or call 800-343-3246

Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

on Bank of America's website, or call 800-343-3246

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Card details

  • New Offer! With the new Unlimited Cash Rewards credit card, you can earn 1.5% cash back on every purchase, every time.

  • No annual fee

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

  • If you're a Preferred Rewards member, you earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase.

  • 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, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) 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.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5%

  • Bonus offer

    $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

  • Intro APR

    0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

  • Ongoing APR

    APR: 13.99% - 23.99% Variable APR

    Penalty APR: up to 29.99%, Variable

  • Balance transfer fee

    Either $10 or 3% of the amount of each transaction, whichever is greater.

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

13.99% - 23.99% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Rating details

4.9

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

  • New cardholder bonus offer

Cons
  • Best rewards limited to certain customers

  • No bonus categories

  • Requires good/excellent credit

The $0-annual-fee Bank of America® Unlimited Cash Rewards credit card is as straightforward as a credit card can get. It offers an unlimited 1.5% cash back rate on all purchases and decent incentives.

It has a sign-up bonus: Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.. New cardholders can also get a lengthy interest-free window with a 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 13.99% - 23.99% Variable APR.