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Bank of America® Unlimited Cash Rewards Credit Card

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Earn an unlimited 1.5% cash back for every purchase for no annual fee. The perks are sparse, but you will get an intro APR for purchases and the ability to increase your cash back rate as a Preferred Rewards member.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 13.99%–23.99% Variable
Intro Balance Transfer APR: 0% for 15 billing cycdles
Intro Purchase APR: 0% for 15 billing cycles

Bank of America® Unlimited Cash Rewards Credit Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 1.5% cash back on all purchases
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 15 billing cycdles
Regular Balance Transfer APR 13.99%–23.99% Variable
Balance Transfer Fee 3%, $10 minimum
How to Transfer a Balance on a Credit Card


Penalty APR Up to 29.99% Variable
Late Fee Up to $40
Returned Payment Fee Up to $29
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 16.99%–28.99% Variable
Cash Advance Fee 3%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Free Credit Score
  • Zero Liability on Unauthorized Charges
Bank of America® Unlimited Cash Rewards Credit Card


  • Unlimited 1.5% cash back on all purchases
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Preferred Rewards members earn up to 2.62% cash back
  • 0% intro purchase and balance transfer APR for 15 billing cycles then 13.99%–23.99% Variable
  • Free access to one of your FICO scores
  • 3% foreign transaction fee
  • No annual fee

Bank of America

Bank of America has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-732-9194 or

Try a different phone number
See all Issuer Cards

The Bank of America Unlimited Cash Rewards Card is ideal for anyone who wants to earn rewards at a flat rate, and may need some extra time to pay off purchases.

You’ll get a 0% intro APR for both purchases and balance transfers for 15 billing cycles, then rates of 13.99%–23.99% Variable.

Preferred Rewards members could earn up to 2.62% cash back on every purchase instead of just 1.5%. But that would require quite a bit of money in eligible BofA and/or Merrill accounts.

The card has a 3% foreign transaction fee and no annual fee.

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