Bank of America® Unlimited Cash Rewards
Issuer
Bank of America
Network
Visa
Regular APR
18.24% - 28.24%
Annual Fee
$0.00
Intro Offer
$200
Rewards Rate
1.5% Cashback
Recommended Credit Score
690 - 850 (Good - Excellent)
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
Combinations
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No combinations available.