Ally Unlimited Cash Back Mastercard®

The Ally Unlimited Cash Back Mastercard® is a cash back card available by invitation only. This card offers 2% cash back on everything, but there is no sign-up bonus and no 0% introductory offer. There are other cards that offer 2% cash back these days, so there is a lot of competition out there. In other words, don’t feel bad if you didn’t get an invitation. We dive into the details and your approval odds in this Ally Cash Back review.

Ally Unlimited Cash Back Mastercard

Our Rating

3.5/5.0

Welcome Offer

None

Annual Fee

$0

0% Intro on Purchases

None

Reward Rate

2% cash back

0% Intro on Balance Transfers

None

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits24/7 customer service
Travel PerksNone

Rewards

2% cash back
All eligible purchases
Earn 2% cash back on all purchases

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR26.99% (V) APR

What Credit Score Is Required to Get the Ally Unlimited Cash Back Mastercard®

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 638

Average Approved Credit Score: 669

App StatusDateCredit ScoreBureauCredit Limit
Approved04/14/2023
638
Experian
$3,500
Approved04/14/2023
642
TransUnion
$3,500
Approved07/26/2023
726
Experian
$4,000

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • 2% cash back on all purchases
Cons
  • No welcome bonus
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Synchrony Premier World Mastercard®
Synchrony Premier World Mastercard®

Rating

4.6

Rewards Range

2%

Annual Fee

$0

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