Bank of America Unlimited Cash Rewards credit card

The Bank of America Unlimited Cash Rewards card is a flat-rate everyday card: 1.5% cash back on every purchase with no categories to track and no annual fee. Its distinguishing feature is the Preferred Rewards program, which can lift that flat rate by 25% to 75% for customers who hold qualifying balances at Bank of America or Merrill. Without that banking relationship it is a straightforward 1.5% card whose 3% foreign transaction fee makes it a domestic-spend choice.

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Bank of America Unlimited Cash Rewards credit card card art

Annual fee

Free
Limited-time offer

$250

$250 bonus cash rewards
after $1,000 in 3 months

Elevated promotion. Not the standard offer.
Recommended credit

740-800

Median 750. See why →

Earning rates

on Cashback

1.5x

Everything else

Benefits and credits

financing

Intro APR on Purchases and Balance Transfers

rewards

BofA Rewards bonus

Pricing and fees

Full Pricing and Terms

Purchase APR: 17.49% to 27.49%
Foreign tx: 3.00%
Penalty APR (cap): 29.99%
Balance transfer: 17.49% to 27.49%; Fee 5.00%
Cash advance: 29.24%; Fee 5.00%
Late / returned: $41 · Not disclosed

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Not disclosed
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Not disclosed
Reports AU to bureaus

Conditional

Reports authorized-user activity to all three bureaus, but only once the AU is 18 or older (age floor, per BofA cardholder agreement). Treated as conditional, matching the chase no-minors precedent.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Capital One Quicksilver Cash Rewards Credit Card

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The Quicksilver is Capital One's flat-rate cash back card: an unlimited 1.5% on every purchase with no categories to track and no annual fee.

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Bank of America Customized Cash Rewards credit card

Bank of America · Visa

The Customized Cash Rewards is Bank of America's flexible everyday cash back card, and its hook is choice: you pick the category that earns 3%, from gas, online shopping, dining, travel, drug stores, or home improvement, and can change it once a month.

$0 annual fee

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Sources

Data current as of September 4, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.