Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Garrett Yarbrough, BankrateThis card has no annual fee to worry about, so there’s not much risk in applying if you want a flat rewards rate. However, unless you’re a Bank of America Preferred Rewards® member with a large balance across your checking, savings and eligible investment accounts, the card’s value will likely be ec...
- Ben Luthi, SlickDealsOn the surface, the Bank of America® Unlimited Cash Rewards credit card’s rewards rate is a dime a dozen — there are several other 1.5% and 2% cash-back credit cards from which you can choose. But if you’re a Bank of America Preferred Rewards member, this card has the potential to be one of the best...
- Dia Adams, ForbesThe Bank of America® Unlimited Cash Rewards credit card is a no-nonsense card that offers 1.5% unlimited cash back on all purchases. Given that several banks offer credit cards earning 2% on all purchases or cards that earn 1.5% back on general purchases and additional cash back in bonus categories,...
- Adam McCann, WalletHubThe Bank of America® Unlimited Cash Rewards credit card is a good credit card that’s worth considering if you have an excellent credit score because it has a $0 annual fee, above-average rewards, and 0% APR promotions. New cardholders start off with intro rates of 0% for 15 billing cycles on purchas...
- Nouri Zarrugh, CreditCards.comThe Unlimited Cash Rewards card costs nothing to keep in your wallet, so there’s little risk in applying. But unless you’re a Bank of America Preferred Rewards member with a large balance across your checking, savings and eligible investment accounts, the card will likely fall short of other flat-ra...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
18.24% ‐ 28.24% (Variable) (0% for the first 18 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
18.24% ‐ 28.24% (Variable) (0% for the first 18 months)
|
| Cash Advance Interest Rate |
21.24% ‐ 30.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
3% |
| Cash Advance Fee |
3% |
| Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
$200 after spending $1,000
|
| Rewards | |
| All Purchases | 1.5% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
Preferred Rewards members earn 25%-75% more cash back on every purchase. |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
Overdraft Protection |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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