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
$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.
New longer intro period! 0% Introductory APR for 18 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 (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 on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days
Ongoing APR
APR: 18.24%-28.24% Variable APR
Cash Advance APR: See Terms
Penalty APR: 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
| Learn more | ||
Annual fee$0 | Annual fee$99 | Annual fee$95 |
Regular APR18.24%-28.24% Variable APR | Regular APR19.24%-27.24% Variable APR | |
Intro APR0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days | Intro APR0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
4.6
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 on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days, and then the ongoing APR of 18.24%-28.24% Variable APR.
Learn more in our full review of this card.
