Unlimited Cash Rewards
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On Bank of America's Secure Website
4.2
Annual fee:
$0
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
18.74% - 28.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn unlimited 1.5% cashback on all purchases. Rewards do not expire.
1.5% - 2.62% Cashback
Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days from account opening.
$200
- Welcome Offer: Earn a $200 bonus after spending $1,000 in the first 90 days from account opening.
- Cashback: Earn unlimited 1.5% cashback on all purchases. Cash rewards do not expire.
- Annual Fee: None
- Foreign Transaction Fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency, in addition to any other applicable fee.
- 0% Intro APR on Purchases: For 15 months from account opening.
- 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
- Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
- Regular APR: After the introductory period, a variable APR of 18.74% - 28.74% applies to purchases and balance transfers.
- Redeem Rewards: Redeem your rewards as a statement credit or via direct deposit into an eligible Bank of America® or Merrill® account.
- Preferred Rewards® Program: Get more rewards by enrolling in the Preferred Rewards program. Preferred Rewards members earn 25% to 75% more cashback on every purchase. This means you could earn 1.87% to 2.62% cashback on every purchase.
- Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
- Click ‘Apply Now’ to see the full terms and conditions.
The Bank of America® Unlimited Cash Rewards Credit Card offers 1.5% cashback on all purchases with no annual fee. It features a welcome bonus and 0% intro APR on purchases and balance transfers for the first 15 statement closing dates. Its straightforward rewards structure makes it ideal for everyday spenders and those looking for low APR on balance transfers. Preferred Rewards® members can earn up to 2.62% cashback. Overall, it’s a strong choice for those who value simplicity and potential savings.