80,000 Points
Worth $1,200
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Dining
- 4.5%Hawaiian Air
Annual Fee
$395
Rec. Credit
Good
Bank of America
Bank of America® Unlimited Cash Rewards
The Bank of America Unlimited Cash Rewards card is a straightforward, no-annual-fee option built for spenders who want hassle-free earnings on every purchase. It works best as an effortless daily card for anyone who prefers not to track bonus categories.
Welcome Offer
$250
Annual Fee
$0
Rec. Credit Score
Good
Good For
Bank of America customers
All information about Bank of America® Unlimited Cash Rewards has been collected independently by MaxRewards. Bank of America® Unlimited Cash Rewards is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Bank of America® Unlimited Cash Rewards worth it?
This card is great for...
Everyday flat-rate spending
No-fuss cash back rewards
Existing Bank of America accounts
For spenders looking for a simple financial setup, this card delivers reliable value with zero annual fee. Earning an unlimited 1.5% cash back across every purchase means you never have to remember quarterly categories or register for bonuses. The accessible welcome bonus offers a quick initial return for minimal spending effort. Spenders who do not want a complex multi-card strategy will find plenty to like in its predictability.
MaxRewards Verdict
A solid zero-fee option for simple everyday cash back, though spenders without existing Bank of America ties can easily find 2% alternative cards elsewhere.
Welcome Offer
$250
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$250
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$250
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
Earning rewards with this card is entirely straightforward, offering a uniform cash-back rate across every category.
CategoryRate
Everywhere
1.5%
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
17.74% - 27.74%
Variable
Transfer APR
17.74% - 27.74%
Variable
Cash Advance APR
29.49%
Variable
Foreign Transaction Fee
3%
Balance Transfer
5%
Cash Advance
$5 or 5%
Late Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Bank of America
See all 42 cards
80,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
70,000 Points
Worth $1,050
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Good