Bank of America Unlimited Cash Rewards

Gain 1.5% back on all spending—and up to 2.62% with preferred rewards! Make every purchase work harder with Unlimited Cash Rewards.

The Bank of America Unlimited Cash Rewards card is designed for people who want a straightforward, no-fuss cash-back experience. It offers a flat-rate of 1.5% on every purchase, with no categories to track or rotate.

Perfect for anyone looking for simple and consistent rewards. Plus, it’s enhanced by Preferred Rewards for BOA clients, allowing you to earn up to 2.62% back—all with no annual fee.

Bank of America Unlimited Cash Rewards Benefits

• Flat-Rate Cash Back on All Purchases: With this card, you earn 1.5% back on every purchase, with no caps or exclusions. That makes it ideal for users who want reliable, predictable rewards without managing multiple categories.
• Preferred Rewards Bonus Boost: If you qualify for Preferred Rewards, your earnings jump by 25% to 75%, depending on your account tier—raising your cashback to between 1.87% and 2.62%. That’s a smart way to maximize everyday purchases like groceries, gas, and dining.
• Generous Intro APR Offers: New cardmembers can enjoy 0% APR on purchases and balance transfers for 15 billing cycles. After that, the rate ranges from 18.24% to 28.24% variable. This offer helps ease the costs of larger purchases or consolidating balances short-term.
• $200 Welcome Bonus: You’ll earn a $200 cash rewards bonus after spending $1,000 in the first 90 days—a boost to your savings right away. This makes it rewarding from the very start.
• No Annual Fee: This card has $0 annual fee, making it cost-friendly and easy to keep long term.
• Rewards Never Expire: Your earned rewards don’t expire as long as your account remains open.
  You can redeem at any time, adding flexibility to your financial planning.
• Multiple Redemption Options: You can redeem rewards as statement credits, direct deposit to BOA accounts (including Merrill), transfers into eligible Merrill accounts, or at checkout with Amazon or PayPal. It’s convenient and adaptable to your routines.
• Security and Protections: Features include $0 fraud liability, purchase protection, and road‑side assistance. Whether you’re shopping or traveling, you’re covered.

Qualification Requirements

• U.S. Residency & Age: Must be a U.S. citizen or permanent resident, age 18 or older.
• Credit Score Requirement: Ideal candidates have excellent credit (around 750+), although good credit may still be considered.
• No Membership Needed: Unlike some rewards cards, you don’t need a membership—any BOA or non-BOA customer is eligible.
• Income Information: Be prepared to provide details on your income and housing payments during application.
• Clean Credit History: Avoid recent major delinquencies or bankruptcies to boost approval odds.
• Preferred Rewards Tier: To unlock boosted cashback, enroll in Preferred Rewards with a qualifying BOA or Merrill balance.

How to Apply for The Unlimited Cash Rewards Card

1. Gather Documentation: Have your Social Security number, income, address, and DOB ready.
2. Visit BOA’s Website: Go to Bank of America’s credit card page and select Unlimited Cash Rewards.
3. Fill Out the Digital Application: Enter required info—most applicants get an instant decision.
4. Review Terms Carefully: Look over APR, intro offers, cash back terms, and Preferred Rewards details.
5. Submit Application: Hit submit and await your approval notification.
6. Activate Your Card: Once approved, watch for your card in the mail (no delivery timeframe mentioned) and activate it to start earning.

Frequently Asked Questions

Is there an annual fee?
No, this card does not charge an annual fee.

Can I get more than 1.5% cash back?
Yes—Preferred Rewards members earn between 1.87% and 2.62% back based on tier.

Do rewards expire?
No, rewards stay valid as long as your account remains open.

How can I redeem my cash back?
You can redeem via statement credit, direct deposit, Merrill transfers, or checkout with Amazon/PayPal.

CREDIT CARD

Bank of America Unlimited Cash Rewards

Unlimited 2% cash back No Annual Fee

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