Bank of America® Unlimited Cash Rewards credit card

Bank of America Visa Standard Pending

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19

Benefits

1

Reward Categories

1.5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: bank-of-america-unlimited-cash-rewards-credit-card

Issuer: Bank of America

Card Name: Bank of America® Unlimited Cash Rewards credit card

Card Type: Credit

Network: Visa

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:58

Last Scraped: Jan 24, 2026 15:28

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Purchases 1.5x Cash Back Earn unlimited 1.5% cash back on all purchases. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1.5x

Bonus Rate: 2.63x

Categories: All purchases (up to 2.625% with Preferred Rewards Platinum Honors)

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as account is active

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed) 19 Total
PENDING
Account Management 1
Account Alerts
Customizable alerts

Receive alerts for important account activity, such as transactions, payments due, or unusual activity.

Cash Rewards 5
Unlimited 1.5% Cash Back on All Purchases
1.5% cash back

Earn a flat rate of 1.5% cash back on every purchase you make, with no limits on the amount of cash back you can earn.

Cash Rewards Never Expire
Rewards don't expire

Your earned cash rewards do not expire as long as your account remains open.

Flexible Cash Rewards Redemption
Redeem any amount, any time

Redeem your cash rewards for any amount, any time.

Multiple Cash Rewards Redemption Options
Redeem to Bank of America account, statement credit, or Merrill account

Redeem cash rewards into a Bank of America® checking or savings account, for a statement credit, or for a contribution to an eligible Merrill® account.

Preferred Rewards Member Cash Back Bonus
25% - 75% more cash back

Preferred Rewards members can earn 25% - 75% more cash back on every purchase, depending on their Preferred Rewards tier.

Credit Monitoring 1
Free FICO® Score Access
Free FICO® Score

Access your FICO® Score for free within your online banking account or mobile app, helping you monitor your credit health.

Financial Protection 1
Overdraft Protection
Link to checking for overdraft protection

Link your credit card to your Bank of America checking account to help prevent overdrafts.

Introductory Offer 3
$200 Online Cash Rewards Bonus
$200 bonus

Earn a $200 cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

0% Intro APR for Purchases
0% Intro APR for 15 billing cycles

Enjoy a 0% introductory Annual Percentage Rate (APR) on new purchases for the first 15 billing cycles. After the intro APR offer ends, a variable APR will apply.

0% Intro APR for Balance Transfers
0% Intro APR for 15 billing cycles

Enjoy a 0% introductory Annual Percentage Rate (APR) on balance transfers for the first 15 billing cycles. A 3% balance transfer fee applies. After the intro APR offer ends, a variable APR will apply.

Payment Convenience 2
Contactless Card
Tap to pay

Make secure payments quickly by tapping your card at contactless-enabled terminals.

Digital Wallet Compatibility
Compatible with digital wallets

Easily add your card to digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.

Roadside Assistance 1
Emergency Roadside Assistance
Access to roadside assistance services

Provides assistance for services like towing, jump-starting, tire changing, or fuel delivery when you're on the road. (Note: Fees may apply for services rendered, this is typically a referral service).

Security 2
Fraud Protection
Advanced fraud monitoring

Advanced fraud monitoring systems help protect your account from unauthorized transactions.

Zero Liability Guarantee
No liability for unauthorized charges

You are not responsible for unauthorized transactions made with your card.

Travel Assistance 1
Travel and Emergency Assistance Services
Emergency support while traveling

Provides a range of emergency services when you're traveling, such as medical and legal referrals, emergency cash disbursement, and lost ticket replacement assistance. (Note: Cardholder is responsible for the cost of third-party services).

Travel Insurance 2
Travel Accident Insurance
Coverage for travel accidents

Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the card.

Lost Luggage Reimbursement
Reimbursement for lost or stolen luggage

Reimbursement for the replacement of lost or stolen checked or carry-on luggage and its contents when tickets are purchased with the card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$200

Cash Back

Requirement: Spend $1,000 in 90 days

Timing: Typically within 8-12 weeks after meeting the spending requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $1.50
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: 3% of the amount of each transfer (minimum $5)
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 31.24%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Bank of America Unlimited Cash Rewards credit card typically offers a sign-up bonus (e.g., $200 cash back) after spending a specified amount (e.g., $1,000) within the first 90 days of account opening. Eligibility for this bonus usually requires that you have not received a sign-up bonus for this specific card (or a similar Bank of America cash rewards product) within the last 24 months. Application rules for Bank of America are governed by the '2/3/4 Rule' for new credit card applications: you can be approved for a maximum of 2 new Bank of America credit cards in the past 2 months, 3 new cards in the past 12 months, and 4 new cards in the past 24 months. This rule applies across all Bank of America consumer credit cards. General eligibility requirements include having good to excellent credit (typically a FICO score of 700+), being a U.S. resident, and being at least 18 years old.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, sudden drastic changes in spending patterns, high cumulative credit limit across Bank of America accounts, excessive credit limit increase requests, frequent balance transfers without new spending, defaulting on payments, or engaging in activities deemed fraudulent or high-risk by the issuer.

Cliff Effect Rules: The primary 'cliff effect' or tiered benefit for this card is tied to the Bank of America Preferred Rewards program. Cardholders who qualify for Preferred Rewards tiers (Gold, Platinum, Platinum Honors) receive a bonus on their earned cash back: Gold (25% bonus), Platinum (50% bonus), and Platinum Honors (75% bonus). This significantly increases the effective cash back rate (e.g., from 1.5% to 2.625% for Platinum Honors members). Failure to maintain the required asset balance with Bank of America or Merrill Lynch will result in a loss of these bonus tiers and a reduction in the effective cash back rate. Additionally, the 24-month bonus eligibility rule for this specific card or similar products acts as a 'cliff' for repeat sign-up bonuses.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Simple, no-annual-fee cash back with potential for significant rewards boost via Preferred Rewards program. Good for everyday spending.

Top Negative:
Base cash back rate is lower than some competitors; lacks bonus categories and has foreign transaction fees.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Fidelity Rewards Visa Signature Card
  • Chase Freedom Unlimited

Card Value Score: 75.0 / 100

Est. Annual Rewards: $275.00

Approval Probability: 90.0%

Version Control
PENDING

Version ID: v1.0