Bank of America® Unlimited Cash Rewards Credit Card
Bank of America · VISA
The Bank of America® Unlimited Cash Rewards Credit Card is a credit card from Bank of America on the VISA network. It has an annual fee of $0. It earns 1.50% on everything else.
Key facts
- Annual fee
- $0
- Purchase APR
- 17.49% - 27.49% variable APR
- Intro APR
- 0% Introductory APR on purchases and qualifying balance transfers for 15 billing cycles; after that 17.49% variable APR
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 1.50% | 1.5% on all purchases |
Benefits and perks
- Earn Unlimited Cash Back: Earn unlimited 1.5% cash back on all purchases No limit to the amount of cash back you can earn and cash rewards do not expire as long as your account remains open
- Limited time online offer: Online $250 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
- No annual fee †: Enjoy no annual fee while earning unlimited cash back on all purchases
- Low Introductory APR Offer: 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. 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- Achieve more with BofA Rewards™: Enrich your experience as a Bank of America customer with the BofA Rewards™ program—starting with a rewards bonus on every credit card purchase. Visit BofA Rewards to learn more about eligibility and enrollment.
Rates and fees
Annual membership fee: $0. Purchase APR: 17.49% - 27.49% variable APR, based on creditworthiness and the Prime Rate. Introductory purchase APR: 0% Introductory APR on purchases and qualifying balance transfers for 15 billing cycles; after that 17.49% variable APR.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Bank of America® Unlimited Cash Rewards Credit Card
What is the annual fee on the Bank of America® Unlimited Cash Rewards Credit Card?
The Bank of America® Unlimited Cash Rewards Credit Card has an annual fee of $0.
What rewards does the Bank of America® Unlimited Cash Rewards Credit Card earn?
The Bank of America® Unlimited Cash Rewards Credit Card earns 1.50% on everything else.
Is the Bank of America® Unlimited Cash Rewards Credit Card worth it?
The Bank of America® Unlimited Cash Rewards Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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