🚀 Our new App is live!  Signup

🔥  300,000 bonus miles!!!  See details

Advertiser Disclosure

Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

Close
Stay updated on new credit card offers

Bank of America® Unlimited Cash Rewards Credit Card

Stay updated on new credit card offers

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn $200 after spending $1,000 within the first 90 days. Intro 0% APR for 15 months on purchases and balance transfers (after that 18.24% to 28.24% variable). The balance transfer fee is 3%.

Bonus Value

Approximately $200

Annual Fee

$0

Card Rewards

Unlimited 1.5% cashback on all purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: December 1, 2023 | Credit Card Review
Card Overview

The Bank Of America Unlimited Cash Rewards credit card will allow you to earn unlimited 1.5% cashback on all your purchases with no annual fee. Plus, Bank Of America Preferred Rewards customers earn an even higher cashback rate all the way up to 2.625% cashback on all purchases! Here is the breakdown, Platinum Honors members ($100,000 or more in your Bank of America accounts) earn 75% more rewards on all purchases (2.625% cashback), Platinum members ($50,000 or more in your Bank of America accounts) earn 50% more rewards on all purchases (2.25% cashback), Gold members ($20,000 or more in your Bank of America accounts) earn 25% more rewards on all purchases (1.875% cashback on all purchases).

Card-Smart Tips & Advice
  • Max cards: Bank of America will only approve you for 2 Bank of America personal cards within 2 months, 3 Bank of America personal cards within 12 months, and 4 Bank of America personal cards within 24 months
  • You cannot get approved for a personal Bank of America card if you have more than 5 Bank of America personal credit cards open
  • BOA 2/6 cards in 12 months rule: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers. Unless you are a BOA bank account holder, then you can get approved even if you opened up to 6 cards in 12 months
  • 24 month rule: The Unlimited Cash Rewards card may not be available to you if you currently have or have had the Unlimited Cash Rewards card in the past 24 month period. Based on these terms, it seems that you "may" not be eligible for a new card until your previous card is closed for a full 24 months
  • Apply for two cards: If you apply for one Bank Of America card and get approved, it is recommended to apply for a second card since Bank Of America is very good about approving for two cards, even within the same day

  • Credit bureau: Bank Of America will usually pull your Experian credit report (If you freeze Experian then Bank Of America will pull your TransUnion credit report)
  • Combining same-day credit inquiries: Credit inquiries for all Personal BOA cards for applications within 30 days will be combined
  • Check application status: You can check your application status  here
  • Reconsideration: I don't have a direct line to Bank of America's reconsideration department. If declined, you can call the new accounts fraud department at 1-888-230-6262, and they can connect you to the reconsideration department
  • Quickest way to get my card: You can request Bank of America to expedite your physical card by calling Bank of America customer service. Bank of America will in most cases not offer an instant credit card number for your new card.

Approval Monitor (submitted by HelpMeBuildCredit users)

73% Approved
716 Avg. Score of those approved
27% Denied
Approved 73% (24)
Denied 27% (9)

Credit limit range $500-$23,200

Avg. Credit limit$9,275

Approved 73% (24)
Denied 27% (9)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Balance transfer fee: The intro balance transfer fee on transfers made within the first 60 days of account opening is 3%
  • Penalty APR
Welcome Offer Eligibility
The Unlimited Cash Rewards card may not be available to you if you currently have or have had the Unlimited Cash Rewards card in the past 24 month period. Based on these terms, it seems that you "may" not be eligible for a new card until your previous card is closed for a full 24 months.
Card Details And Benefits
Extended Warranty

Get your original manufacturer’s warranty time doubled (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Extra Redemption Value

Bank Of America Preferred Rewards customers earn an even higher chasback rate all the way up to 2.625% cashback on all purchases. Here is the breakdown, Platinum Honors members ($100,000 or more in your Bank of America accounts) earn 75% more rewards on all purchases (2.625% cashback), Platinum members ($50,000 or more in your Bank of America accounts) earn 50% more rewards on all purchases (2.25% cashback), Gold members ($20,000 or more in your Bank of America accounts) earn 25% more rewards on all purchases (1.875% cashback on all purchases).

Roadside Assistance

Get roadside service assistance.

People also viewed:

image

Wells Fargo Reflect

image

U.S. Bank Platinum

image

Diamond Preferred

image

Citi Simplicity

image

TD FlexPay

image

Bank AmeriCard

image

NBT Bank Platinum

image

Citi Rewards Card

image

Amex Everyday

image

Blue Cash Everyday

image

Carnival Mastercard

image

Blue Business Plus

image

Harley Davidson Visa

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

success_icon

Download link sent
succesfully

Got it * please check your promotional inbox
fail_icon

Error sending download link

Try Again