The Ultimate Guide to Credit Cards
Wednesday, February 8, 2023

Bank of America® Unlimited Cash Rewards credit card

► 2023 Review, Application & Rates

"This card appeals to those who intend to use it often for everyday purchases and don't want to worry about rotating or tiered rewards categories. You can really maximize your earnings if you're a Bank of America Preferred Rewards member."
- Toby Sembower,
Advertiser Disclosure
Bank of America® Unlimited Cash Rewards credit card Review

at Bank Of America'ssecure website





  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 18 billing cycles for purchases
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
18.24% - 28.24% Variable APR on purchases and balance transfers

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #10 out of 19)
0% Intro APR
(Ranked #5 out of 29)
Best Overall
(Ranked #17 out of 149)
Cash Back
(Ranked #11 out of 51)
Excellent Credit
(Ranked #62 out of 63)
Gas Rebate
(Ranked #27 out of 28)

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