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

  • $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 up to 2.62% cash back on every purchase.

  • 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, 14.24% - 24.24% 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 for 15 billing cycles on purchases, and on any balance transfers made within 60 days of account opening

  • Ongoing APR

    APR: 14.24%-24.24% 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 
Learn more
Annual fee

$0

Annual fee

$99

Annual fee

$95

Regular APR

14.24%-24.24% Variable APR

Regular APR

16.24%, 20.24% or 25.24%, Variable APR

Rates & Fees

Regular APR

16.74%-23.74% Variable APR

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

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.5

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 14.24%-24.24% Variable APR.

Learn more in our full review of this card.