Bank of America® Unlimited Cash Rewards Credit Card
The Bank of America® Unlimited Cash Rewards Credit Card may not chase headlines, but it quietly offers one of the most reliable cashback experiences available. With a strong flat rate, easy bonus, and enhanced value for loyal customers, this card is a long-term keeper for anyone who wants to earn without effort. If you want cashback that’s always on, always simple, this card does exactly what its name promises — delivers unlimited cash rewards, no games attached.
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Key Highlights
- 1.5% unlimited cash back on every purchase
- No annual fee
- $200 welcome bonus
- 0% intro APR on purchases and balance transfers
- Enhanced rewards for Bank of America® Preferred Rewards members
The Bank of America® Unlimited Cash Rewards Credit Card is built for people who value simplicity and consistency. You don’t have to track categories, activate bonuses, or worry about limits. Just spend and earn 1.5% cash back on everything — every time.
If you already bank with Bank of America®, this card offers even more perks through its Preferred Rewards program. It’s a no-fuss card with real, reliable value.
- 1.5% cash back on all purchases
- No caps, no rotating categories, no expirations
- Rewards are credited automatically — no hoops to jump through
This card is ideal for users who want predictable, easy-to-track earnings on everything they buy.
- $200 online cash rewards bonus after spending $1,000 in the first 90 days
- Straightforward threshold — no need to overspend to unlock the reward
Great return for a no-annual-fee card, and easy to achieve for most users.
- 0% intro APR for 15 billing cycles on purchases and balance transfers
- After the intro period: variable APR of 19.24% to 29.24%
- Balance transfer fee: 3% (minimum $10)
A good option if you're planning a large upcoming expense or looking to consolidate high-interest debt.
| Tier | Combined Balances | Cash Back Boost |
|---|---|---|
| Gold | $20,000+ | 25% more (1.87% total) |
| Platinum | $50,000+ | 50% more (2.25% total) |
| Platinum Honors | $100,000+ | 75% more (2.62% total) |
- Track your rewards and statements in real-time
- Digital wallet compatible: Apple Pay, Google Pay, Samsung Pay
- Customizable alerts for payments, spending limits, and more
- Access via the Bank of America® mobile app or website
The tech experience is sleek, secure, and user-friendly.
- $0 liability guarantee for fraudulent transactions
- Contactless payments with chip security
- 24/7 U.S.-based customer service
- Ability to lock/unlock your card instantly from the app
Solid protections, even for a no-fee cashback card.
- Foreign transaction fee (3%) – not ideal for international travel
- Flat 1.5% rate may not excite power users or rewards hackers
- Highest value only comes with Bank of America Preferred Rewards eligibility
- No travel perks or luxury benefits
- Anyone who wants consistent cash back without complication
- Users who already bank with Bank of America®
- People who want a no-annual-fee option with intro APR perks
- First-time credit card users or those who want predictable value