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Home > All Credit Cards > Reward > Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

Issued by Bank of America

Annual Fee $0
Regular APR 18.24% - 28.24% Variable
Open-loop card or Close-loop card

Additional Information

Balance Transfer Fee 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months
Purchase Intro APR 0% for 15 billing cycles
Transfer Intro APR 0% for 15 months
Late Payment Fee
Returned Payment Fee
Cash Advance Rate
Cash Advance Fee
Foreign Transaction Fee
Smart Chip Yes, chip-and-PIN

Sign-up Bonus

$200

Rewards

  • Rewards Rate: 1.5% Cash Back
  • Rewards Detail: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.Earn unlimited 1.5% cash back on all purchases.If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.

    • Application Requirements

    Minimum Credit Score Excellent
    Minimum Age 18 years old

    Credit Score

    Excellent Credit 18 years old
    Good Credit 700 — 749
    Fair Credit 640 — 699
    Bad Credit 300 — 639
    Limited Credit Less than 3 years of credit history

    How To Apply for Target Bank of America® Unlimited Cash Rewards credit card

    1. Click the "Apply" button below!
    2. Fill out the application with your personal and financial information.
    3. Verify and submit your application.

    Apply Now

    Who Should Apply for Bank of America® Unlimited Cash Rewards credit card

    Individuals who want to earn unlimited 1.5% cash back on all purchases

    Those who frequently use their credit card for everyday expenses and want to maximize their rewards

    Customers who value the flexibility of redeeming cash back as a statement credit, deposit into a Bank of America® checking or savings account, or as a contribution to a Merrill Lynch Cash Management Account®

    People who are looking for a credit card with no annual fee and a 0% introductory APR for the first 15 billing cycles on purchases and balance transfers (balance transfer fees apply)

    Consumers who want access to Bank of America's award

    winning online and mobile banking services for easy account management

    Where Can You Use for Bank of America® Unlimited Cash Rewards credit card

    You can use the Bank of America® Unlimited Cash Rewards credit card at any merchant that accepts Visa credit cards, which includes millions of locations worldwide

    This credit card can be used for everyday purchases such as groceries, gas, dining out, online shopping, and more

    It can also be used for larger expenses such as travel bookings, hotel stays, and rental car reservations

    The card can be used for both in

    person and online transactions, providing flexibility and convenience for cardholders.

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