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Bank of America® Unlimited Cash Rewards Credit Card

Stay updated on new credit card offers

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 13.99% - 23.99% variable).

Bonus Value

Approximately $200*

Annual Fee

$0

Card Rewards

Unlimited 1.5% cashback on all purchases

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.

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.  Except if your a BOA bank account holder, then, you can get approved even if you opened up to 6 cards in 12 months
  • 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 same-day applications will be combined; also, Credit inquiries for all Business BOA cards for same-day applications will be combined
  • Check application status: You can check your application status  here
  • Reconsideration: The old reconsideration number stopped working. There is currently no  reconsideration phone line that I am aware of

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

80% Approved
737 Avg. Score of those approved
20% Denied
Approved 80%
Denied 20%

Credit limit range $500-$17,000

Avg. Credit limit$8,000

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.

Balance Transfer Terms
  • Balance transfer fee: The intro balance transfer fee on transfers made within the first 60 days of account opening is either 3% or $10, whichever is greater
  • Penalty APR
Card Details And Benefits
Foreign Transaction Fee

3%

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).

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*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.

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