The Bank of America® Unlimited Cash Rewards is the perfect choice for those seeking convenience, cash back, and zero complications. With a simple, no-category cash back system, this card turns every purchase into an immediate earning opportunity.
Designed for individuals who value ease of use and a smarter financial routine, it offers unlimited rewards on all purchases, no annual fee, and an attractive welcome bonus. It’s ideal for those who prefer an efficient, straightforward credit card.
If you’re looking for a card that gives you more with less hassle, keep reading to explore all the details of this product.
Meet the Issuer
Bank of America provides comprehensive financial solutions with a focus on innovation, security, and convenience. Among its flagship services are credit cards designed to deliver real and accessible benefits for various customer profiles.
With millions of users nationwide, Bank of America stands out by blending tradition and technology, maintaining its reputation as one of the most reliable names in the American banking sector.
The Unlimited Cash Rewards card is a clear example of this approach: a modern, functional card that simplifies users’ daily financial activities.
Main Benefits of the Card
Welcome Offer: Earn a $200 cash back bonus after spending $1,000 in purchases within the first 90 days of account opening.
Unlimited 1.5% Cash Back: Get 1.5% cash back on all purchases, with no caps, no rotating categories, and no need to activate.
Cash Back Never Expires: Rewards are automatically earned and do not expire as long as the account remains open and in good standing.
Easy Redemption: Redeem cash back directly as a statement credit, deposit into a Bank of America account, check, or gift card.
No Annual Fee: Enjoy all these benefits without paying an annual fee.
Exclusive Offers Access: Save even more with selected promotions and personalized discounts available to cardholders.
Free Additional Cards: Add authorized users at no cost to help accumulate cash back faster.
Purchase Protection: Coverage against damage and theft on eligible purchases.
Contactless Payment Technology: Faster, safer payments in-store with tap-to-pay functionality.
Bank Of America Unlimited Cash Rewards: Fees and Commissions
The Unlimited Cash Rewards has no annual fee, making it ideal for those looking for real benefits without impacting their budget.
It offers 0% introductory APR on purchases and balance transfers for the first 15 billing cycles. After this period, a variable APR applies, based on the customer’s creditworthiness.
For international purchases, a 3% foreign transaction fee applies.
Terms and conditions may change at any time. Always check the official website for the most up-to-date information before applying.
Card Limit
The credit limit is determined based on the applicant’s credit profile, including factors such as credit score, payment history, monthly income, and current credit utilization.
Applicants with a strong credit history may receive higher starting limits, with the potential for future increases. Bank of America conducts periodic reviews that may result in positive credit line adjustments.
Positive points
- Straightforward Rewards:Earn a consistent 1.5% cash back on every purchase you make, without any spending categories to manage or enrollment required.
- No Annual Fee:Enjoy all the card’s perks while keeping your budget under control, as there are no annual maintenance fees to worry about.
- Personalized Offers:Access an exclusive selection of discounts and offers tailored to your spending habits through the Bank of America Offers portal.
Negative points
- Flat Cash Back Rate:The fixed 1.5% cash back rate does not increase in specific spending categories, which may limit higher earning potential.
- Foreign Transaction Fee:A 3% fee is applied to all purchases made outside the United States, potentially impacting your travel expenses.
- Credit Approval Requirements:Applicants need a good credit history to improve approval chances.
How to Apply for Bank Of America Unlimited Cash Rewards Credit Card
- Visit the official Bank of America website.
- Find the Unlimited Cash Rewards credit card page.
- Click the button to start your application.
- Fill out the form with your personal and financial information.
- Provide your annual income and contact details.
- Carefully review and accept the terms and conditions.
- Submit your application for review.
- Wait for the bank’s approval response.
- If approved, your card will be sent to your registered address.
How to Contact Bank Of America Unlimited Cash Rewards
- Phone: 1-800-732-9194
- Online Chat: Available on the website or official app
- 24/7 Customer Service Center
- Email: Through the secure internet banking platform
The Bank of America® Unlimited Cash Rewards offers a hassle-free experience with cash back on every purchase. It’s the perfect choice for those seeking a no-fuss, no-fee credit card with consistent rewards. Apply now and start earning on your everyday purchases.