Bank of America® Unlimited Cash Rewards credit card
Basic Information
Program ID: bank-of-america-unlimited-cash-rewards-credit-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:58
Last Scraped: 01/15/2026 05:55
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of statement closing after meeting the spend.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.02%
Bonus Reward Rate: 0.03%
Bonus Categories: All purchases (flat rate); Preferred Rewards members receive a bonus on all cash back earned, up to 75% for Platinum Honors/Diamond tiers.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash rewards do not expire as long as your account is open and in good standing.
Transfer Partners: N/A - Cash back cannot be transferred to airline or hotel partners.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the sign-up bonus typically requires that you have not had this specific card or received its new cardmember bonus within the last 24 months. Bank of America also enforces a strict application velocity rule, commonly known as the '2/3/4 rule': applicants are generally limited to 2 new credit cards in the past 2 months, 3 new credit cards in the past 12 months, and 4 new credit cards in the past 24 months across all Bank of America credit products. To earn the standard sign-up bonus (e.g., $200 cash back), new cardmembers must typically meet a minimum spend threshold (e.g., $1,000) within the first 90 days (3 months) of account opening.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bank of America cards, frequent balance transfers without new spending, sudden uncharacteristic spending patterns, multiple applications in a short period (even if approved), defaulting on other Bank of America products, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Simplicity of 1.5% cash back on all purchases, no annual fee, and significant rewards boost for Preferred Rewards members. Good for everyday spending.
Top Negative Feedback:
Lack of bonus categories, foreign transaction fees, and lower base rewards compared to some competitors without Preferred Rewards.
Approval Experience Score: 78.5 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Discover it Cash Back
Card Value Score: 72.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 90.0%
Terms Version Control
Version ID: v1.0