Ally Unlimited Cash Back Mastercard®
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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.
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
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Card Lock |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | 24/7 customer service |
Travel Perks | None |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | None |
Regular APR | 26.99% (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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/14/2023 | Experian | ||
Approved | 04/14/2023 | TransUnion | ||
Approved | 07/26/2023 | Experian |
Pros & Cons
- No annual fee
- No foreign transaction fee
- 2% cash back on all purchases
- No welcome bonus
- High APR
- Requires good credit
What Are the Best Alternatives?
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Synchrony Premier World Mastercard®
Rating
4.6
Rewards Range
2%
Annual Fee
$0