Card details · Bank of America
Bank of America Unlimited Cash Rewards credit card review: fees, rewards and APR
The Bank of America® Unlimited Cash Rewards credit card is a credit card from Bank of America with a $0 annual fee. By our overall score it ranks #63 of the 242 credit cards we rank (store-only cards excluded), and #3 of 24 Bank of America cards. It is listed in our 0% intro APR and cash back rankings.
Key facts
- Issuer
- Bank of America
- Network
- Visa
- Annual fee
- $0
- Welcome offer
- $250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening
- Intro APR
- purchases 15 months · balance transfers 15 months
- Ongoing APR
- 17.49%–27.49%
- Balance transfer fee
- 3% Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
- Our overall score
- 63 (#63 of 242 cards)
Sign-up bonus history
Below the highest offer we’ve tracked ($250)
- Current offer
- $250
$250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening - Highest tracked since April 2026
- $250
$250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening - Lowest tracked since April 2026
- $200
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | $200 | $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening |
| Aug 6, 2026 | $250 | $250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- Unlimited 1.5% cash back on all purchases.
Intro APR and balance transfers
0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
Balance transfer fee: 3% Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Ongoing APR: 17.49%–27.49%
Where it ranks
- Overall: #63 of 242 cards (score 63)
- Bank of America credit cards: #3 of 24
- 0% intro APR cards: #15 of 46 by our 0% intro APR score
- Cash back cards: #42 of 69 by our cash back score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Bank of America’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Bank of America Unlimited Cash Rewards credit card?
$0, as stored in our database. Confirm the current fee on Bank of America’s site.
Does the Bank of America Unlimited Cash Rewards credit card have a welcome bonus?
Our database lists this offer: $250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening Offers change often and terms apply.
Does the Bank of America Unlimited Cash Rewards credit card have a 0% intro APR?
Our database lists: 0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply. Terms apply.
How does the Bank of America Unlimited Cash Rewards credit card rank on YourBestCards?
#63 of 242 cards by our overall score (63). In our category lists: #15 of 46 0% intro APR cards; #42 of 69 cash back cards.
What is the highest Bank of America Unlimited Cash Rewards credit card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is $250 and the lowest is $200, across 1 change. The current offer is $250. This only covers the period we have tracked; terms apply.
Other top Bank of America cards
- #1
Atmos™ Rewards Ascent Visa Signature®
Score 65- Unlimited 3 points for every $1 spend on eligible Alaska Airlines and Hawaiian Airlines purchases
- Unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
- Unlimited 1 point for every $1 spent on all other purchases
- Annual fee
- $95
- Welcome offer
- Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2,500 or more on purchases within the first 90 days of opening your account.
- #2
Bank of America® Customized Cash Rewards for Students
Score 63- 6% cash back first year in choice category (then 3%)
- 2% at grocery stores and wholesale clubs
- 1% on all other purchases
- Annual fee
- $0
- Welcome offer
- $200 cash rewards bonus after $1,000 spend in 90 days
- Intro APR
- purchases 15 months · balance transfers 15 months
- #4
Air France KLM World Elite Mastercard®
Score 62- 3 Miles per $1 spent directly on Air France, KLM, and other SkyTeam member airlines
- 1.5 Miles per $1 spent on all other purchases
- Annual fee
- $89
- Welcome offer
- Online offer: 50,000 Bonus Miles + 100 Experience Points (XP) after you make $2,000 or more in purchases within the first 90 days of your account opening
- #5
Atmos™ Rewards Summit Visa Infinite® Credit Card
Score 62- 3 points per $1 on Alaska Airlines, Hawaiian Airlines, foreign transactions and dining
- 1 point on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
- Annual fee
- $395
- Welcome offer
- Limited time online offer: Earn 80,000 bonus points and a 25,000 point Global Companion Award. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
- 3% cash back + 3% first-year cash back bonus in the category of your choice including gas and EV charging station, online shopping/cable/streaming/internet/phone plans, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- Annual fee
- $0
- Welcome offer
- Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening and 6% cash back in the category of your choice – for the first year.
- Intro APR
- purchases 15 months · balance transfers 15 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.