Bank of America® Unlimited Cash Rewards Credit Card
The Bank of America® Unlimited Cash Rewards Credit Card is a cash back card designed for those who want a simple cash back structure. The biggest selling point here is the 0% APR offer on purchases and balance transfers for the first 15 months. You also get a small signup bonus of $200.
If you have a banking relationship with either Bank of America or Merrill Lynch, you can qualify for Preferred Rewards, which, among other things, gets you somewhere between 25% to 75% more rewards on every purchase. However, these days, there are many cards that offer 2% cash back on every purchase without any banking relationship required. We dive into the details and your approval odds in this Bank of America Unlimited review.
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Features & Benefits
EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Tap to Pay, Apple Pay, Google Pay, Samsung Pay
Free credit score access, 24/7 customer service
1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on all purchases.
Interest Rates & Fees
Foreign Transaction Fee
3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
18.24% to 28.24% (V) APR
0% Intro APR for 15 months on balance transfers, then 18.24% to 28.24%(V) APR after that.
Balance Transfer Fee
3% of the amount of each transaction.
0% Intro APR for 15 months on purchases, then 18.24% to 28.24% (V) APR after that.
What Credit Score Is Required to Get the Bank of America® Unlimited Cash Rewards Credit Card
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 a number of factors in
their underwriting process, and these factors can change at any time.