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
on Bank of America's website, or call 800-343-3246
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
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR13.99% - 23.99% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APR0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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.
