Bank of America Unlimited Cash Rewards
A no-fee flat rate with a longer 0% window than most.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
All purchases, unlimited | 1.5% |
Welcome bonus
$250 cash rewards bonus after $1,000 of spending in the first 90 days.
Requirement: $1,000 in 90 days
Perks
- 0% intro APR for the first 15 billing cycles on purchases
- 0% intro APR for 15 billing cycles on balance transfers made in the first 60 days
- Good to excellent credit, roughly 690 and above
Frequently asked questions
Is the Bank of America Unlimited Cash Rewards worth it?
It has no annual fee. It's best suited to a no-fee flat rate with a longer 0% window than most. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Bank of America Unlimited Cash Rewards earn?
It earns 1.5% on all purchases, unlimited.
What credit score do you need for the Bank of America Unlimited Cash Rewards?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Bank of America Unlimited Cash Rewards Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/bank-of-america-unlimited-cash, updated August 2026.
- Bank of America published product page and cardholder agreement