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Pros & Cons
Pros
- +Welcome Bonus: $200
- +No annual fee
Cons
- –No purchase protection
Our Review
Unlock Simple, Unlimited Rewards with the Bank of America Unlimited Cash Rewards Credit Card
- 1.5% unlimited cash back on every purchase; enjoy 2% back during your first year
- Up to 2.625% back when you join Preferred Rewards® and reach top tiers
- $200 cash rewards bonus after spending $1,000 in the first 90 days
- 0% intro APR on purchases and balance transfers for 15 billing cycles; competitive rates thereafter
- Flexible redemptions as statement credits or deposits into Bank of America® and Merrill® accounts
- Visa Signature benefits including extended warranty and travel & emergency assistance
- No annual fee
Whether you’re covering everyday expenses or larger investments, this card delivers straightforward rewards and powerful digital tools. With contactless payments, real‑time fraud monitoring and seamless integration with your banking, you’ll enjoy a smarter way to earn. Take advantage of elevated rates in your first year and even more when you climb the Preferred Rewards® tiers—ideal for busy spenders who value simplicity and maximum return.
Terms apply. Enrollment in Preferred Rewards® required for elevated rates. 0% APR offer applies to purchases and balance transfers made within the first 60 days. Balance transfer and foreign transaction fees may apply. See full terms for details.
Rewards
All Spending
1.5x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
45,000
Cash Back/yr
Estimated Value
$450
After Fees
+$450
1st Year Value
$452
incl. welcome bonus
Breakdown
Terms & Conditions
Card Features
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- New Offer! Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% – 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- 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.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Bank of America. All trademarks are property of their respective owners.