Bank of America Unlimited Cash Rewards
$250 welcome bonus · 1.5% on everything else · $0 annual fee
Bank of America raised the signup bonus from $200 to $250 in August, and after $1,000 of spend in the first three months that is a strong return for a card with no annual fee. The rest is deliberately plain: a flat 1.5% back on everything, with no categories to activate or caps to track. A 15-month 0% intro APR on both purchases and balance transfers gives it real utility beyond rewards if you are carrying a balance. The weaknesses are that 1.5% is below what several no-fee flat-rate cards pay, and the card charges foreign transaction fees, which rules it out for travel abroad. It works as a simple catch-all for domestic spending, especially if you bank with Bank of America already.
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.