Let’s be real — most people just want a credit card that earns rewards without feeling like a part-time job. The Bank of America Unlimited Cash Rewards Credit Card does exactly that. It’s simple, steady, and refreshingly easy to live with. You earn 1.5% cash back on everything you buy, every single day, no categories to keep track of and no expiration dates hanging over your head.
That’s the beauty of this card — it just works. Whether you’re paying for groceries, a weekend trip, or your Netflix bill, you’re earning something back each time. Plus, it’s powered by one of America’s most trusted banks, so you get the added comfort of strong digital tools, robust fraud protection, and a support team that actually answers when you need them.
Bank of America Unlimited Cash Rewards
Unlimited 2% cash back No Annual FeeTop Benefits of the Bank of America Unlimited Cash Rewards Card
Unlimited 1.5% Cash Back on Every Purchase
There’s nothing complicated here — 1.5% back on every purchase, all day, every day. No rotating categories, no hoops to jump through. You just earn consistently. For people who want rewards that make sense, this is an easy win.
Think of it as an automatic savings system: you buy what you were going to buy anyway, and your card quietly rewards you for it. Over a year, those small percentages can turn into a surprisingly helpful cash boost.
No Annual Fee
Nobody likes paying to use their own card — and you won’t have to. This card comes with no annual fee, ever. That means your rewards are 100% yours, without an annual cost eating into them.
Preferred Rewards Boost
Already bank with Bank of America? Good news — members of their Preferred Rewards program can earn 25% to 75% more cash back. That bumps your earning rate up to an impressive 2.62% on every purchase.
Introductory 0% APR Offer
New cardholders get 0% APR for 15 billing cycles on both purchases and balance transfers. It’s perfect if you’re planning a large expense or consolidating debt — you get time to pay it down without feeling the pressure of interest charges.
Flexible Redemption Options
Bank of America makes it easy to redeem your cash back however you like — as a statement credit, a direct deposit, or even toward future purchases. And since your rewards never expire, you decide when to cash in.
Advanced Security and Fraud Protection
Security is a big deal, and this card has you covered. You get zero liability protection, real-time alerts, and the option to lock your card instantly from the mobile app. If something seems suspicious, you can shut it down fast.
Digital Wallet Compatibility
The card fits right into your Apple Pay, Google Pay, or Samsung Pay wallet, making checkout quick and contactless. You don’t even need to pull out your card anymore — just tap, go, and earn rewards while you’re at it.
Seamless Online and Mobile Management
With the Bank of America mobile app, everything is at your fingertips. You can track spending, pay bills, view your rewards, and even monitor your credit score. The interface is clean and intuitive, so managing your money feels less like a chore.
Who Can Apply
You can apply if:
- You’re 18 or older (19 in some states).
- You have a U.S. Social Security Number or ITIN.
- You live at a U.S. residential address.
- You have good to excellent credit (usually a FICO score of 670+).
- You can show steady income.
- You haven’t applied for too many Bank of America cards recently.
These help the bank verify you can handle credit responsibly — and boost your approval odds.
How to Apply
The application is quick and painless:
- Go to BankofAmerica.com or visit a local branch.
- Find the Unlimited Cash Rewards Credit Card.
- Click Apply Now.
- Fill in your personal and financial details.
- Read through the terms before submitting.
- Wait for instant or near-instant approval — most people get a response right away.
Frequently Asked Questions
Does the Bank of America Unlimited Cash Rewards Card have an annual fee?
No — there’s no annual fee at all, so you keep every cent of your rewards.
How much cash back can I earn?
You’ll earn 1.5% back on every purchase, and up to 2.62% if you’re in the Preferred Rewards program.
Can I transfer balances from another card?
Yes. You’ll enjoy 0% intro APR for 15 billing cycles on transfers made within the first 60 days.
Is this a good card for travel?
It’s great for domestic use, but since it has a small foreign transaction fee, it’s not the best option for frequent international travelers.
Do my rewards ever expire?
Never. Your cash back stays available until you decide to use it.
The Bank of America Unlimited Cash Rewards Credit Card is the kind of product that’s easy to underestimate — until you use it. It’s simple, steady, and refreshingly low-maintenance. You earn every time you spend, manage everything from your phone, and never worry about annual fees or complicated reward systems.
