No Annual Fee
Rewards
Intro APR
Excellent Credit
Good Credit
Bank of America® Unlimited Cash Rewards
Bank of America · Visa
Annual Fee
$0.00
Rewards Rate
1.5% Cashback
Intro Offer
$200
Issuer
Bank of America
Network
Visa
Regular APR
18.24% - 28.24%
Credit Score
690 - 850 (Good - Excellent)
Rewards Rate Details
Earn unlimited 1.5% cash back on all purchases.
Intro Offer Details
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
Pros
- No annual fee
- Flat-rate 1.5% unlimited cash back on all purchases
- Bank of America Preferred Rewards® members can earn 25% – 75% more cash back on every purchase
- Easily achievable welcome bonus
- Generous introductory APR periods for purchases and balance transfers
Cons
- No bonus categories for higher earning rates
- Limited redemption options for rewards
- Charges a foreign transaction fee of 3%, making it less ideal for international use
- Other cards with no annual fee offer higher flat cash back rates (e.g., 2%)
- Requires good to excellent credit for approval