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Unlimited Cash Rewards from Bank of America Review

Unlimited Cash Rewards from Bank of America — all information about the credit card.

Updated March 21, 2025
Advertiser Disclosure Our Methodology
Bank of America Unlimited Cash Rewards
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Our Rating:
4.86 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on all purchases.
  • Intro Offer:
    • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Regular APR:
    18.24% - 28.24% Variable
  • Balance Transfer APR:
    18.24% - 28.24% Variable
Show more

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Bank of America Unlimited Cash Rewards Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1.5%
All purchases
$
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All benefits

  • Cash back
    • 1.5% On all purchases.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Purchase APR
    • 18.24% - 28.24% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account
  • Balance Transfers APR
    • 18.24% - 28.24% Variable
  • APR for Cash Advances
    • 21.24% - 28.24% Variable (for Direct Deposit and Check Cash Advances)
      28.24% Variable (for Bank Cash Advances)
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 3% of the amount of each transaction, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 3% of the amount of each transaction, whichever is greater
  • Penalty Fees
    • Up to 29.99%
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
Cons:
  • Penalty APR
  • High APR
  • Foreign Transaction Fee

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Free Credit Score
  • Good Credit
  • Excellent Credit

About the issuer

Bank of America
Bank of America has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

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Recommended credit score
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  • $75.00 for the 1st year, $48.00 after
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    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
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    Purchase Intro APR
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Total Visa® Card The Bank of Missouri
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3.32 out of 5
Recommended credit score
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  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Cash Back on all purchases.
  • None
    Purchase Intro APR
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Recommended credit score
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Poor to Good (300-739)
  • $175
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
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See Another Credit Cards in the Bank

Bank of America Unlimited Cash Rewards is an option for those, who need Classic features. With an APR of 18.24% - 28.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Bank of America Unlimited Cash Rewards you will get such features as 0% Intro APR, No Annual Fee, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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