Bank of America® Unlimited Cash Rewards credit card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Bank of America® Unlimited Cash Rewards credit card4.0/5

Bank of America

Annual fee
$0
Rewards rate
2%-1.5%
Welcome Bonus
$200
Apply Now →on Bank of America's website
Regular APR:17.49%-27.49% Variable APR

  • 2%Cash back on all purchases for the first year
  • 1.5%Cash back on all purchases after the first year

Welcome Bonus:

Earn a $200 online cash rewards bonus after you spend at least $1,000 in purchases within the first 90 days.

Reward Rate:

Earn unlimited 1.5% cash back on all purchases, 2% for the first year.

APR:

17.49%-27.49% Variable APR

The Bank of America® Unlimited Cash Rewards credit card is an excellent choice for those seeking straightforward cash back on all purchases, especially with its attractive welcome bonus.

Pros:

  • No annual fee
  • Unlimited cash back

Cons:

  • Lower cash back rate after the first year
  • Requires good credit
Apply now →

The Bank of America® Unlimited Cash Rewards credit card is well-suited for consumers looking for a simple, no-annual-fee option that offers consistent cash back on everyday purchases. Its straightforward rewards structure and welcome bonus make it particularly appealing for those who prefer uncomplicated rewards without the need to track spending categories.

Frequently Asked Questions