Bank of America Unlimited Cash Rewards
$250 welcome bonus · 1.5% on everything else · $0 annual fee
The Bank of America Unlimited Cash Rewards is a straightforward flat-rate card: 1.5% cash back on every purchase with no annual fee and no categories to track. Its welcome offer recently rose from $200 to $250, earned after $1,000 in purchases in the first three months, and it adds 15 months of 0% intro APR on both purchases and balance transfers. That combination makes it a reasonable first cash back card or a simple catch-all for spending that does not fit anywhere else. The tradeoff is that 1.5% is a modest flat rate, and foreign transaction fees make it a poor choice for purchases abroad. Take it for the bonus and intro APR, and pair it with a category card if you want to earn more on your biggest expenses.
Earn rates & credits
| Category | Rate |
|---|---|
Everything Else | 1.5% |
Card details
Regular APR | 17.49%–27.49% variable |
Intro APR on purchases | 0% for 15 months |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Bank of America Unlimited Cash Rewards
Bank of America Unlimited Cash RewardsBased on 5 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.