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 18 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.

4.0/5.0
200
$0
18 Months
1.5%
18 Months
Welcome Offer
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Free credit score access, 24/7 customer service |
Travel Perks | Concierge Services |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
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. |
Regular APR | 17.74% - 27.74% (V) APR |
Balance Transfers | 0% Intro APR for 18 months on balance transfers, then 17.74% - 27.74%(V) APR after that. |
Balance Transfer Fee | 3% of the amount of each transaction. |
Purchases | 0% Intro APR for 18 months on purchases, then 17.74% - 27.74% (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.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/14/2022 | Experian | ||
Approved | 02/14/2022 | Equifax | ||
Approved | 02/14/2022 | TransUnion | ||
Approved | 08/30/2022 | Experian | ||
Approved | 06/15/2022 | Experian | ||
Approved | 02/03/2023 | Experian | ||
Approved | 08/30/2022 | Equifax | ||
Approved | 08/30/2022 | TransUnion | ||
Approved | 02/03/2023 | TransUnion | ||
Approved | 02/03/2023 | Equifax |
- Welcome offer
- No annual fee
- 0% APR on purchases and balance transfers
- Foreign transaction fee
- Cash back rewards are lower than other cards
What Are the Best Alternatives?

Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0

Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0

Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0