Bank of America Unlimited Cash Rewards Credit Card

Earn 1.5% cash back on all purchases with 0% intro APR for 15 months, plus boosted rewards for Preferred Rewards members.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ 15 months 0% intro APR on purchases ✓ 1.5% unlimited cash back, boostable up to 2.62% for Preferred Rewards members ✓ Lower ongoing APR range than many competitors
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Bank of America Unlimited Cash Rewards Credit Card

Visa · cashback

Our Verdict Recommended

A straightforward cash back card that shines for Bank of America customers. Preferred Rewards members can boost the base 1.5% rate up to 2.62%, making it competitive with or better than most flat-rate cards. The 0% intro APR adds flexibility for large purchases.

What it really costs

Annual fee No annual fee
APR Range 15.74% – 25.74%
Rewards1.5% 1.5%
Minimum credit score 670

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Who it's for

Bank of America customers who can take advantage of Preferred Rewards to boost cash back rates

The good and the not so good

  • 15 months 0% intro APR on purchases
  • 1.5% unlimited cash back, boostable up to 2.62% for Preferred Rewards members
  • Lower ongoing APR range than many competitors
  • No annual fee
  • Base 1.5% rate is average without Preferred Rewards
  • 3% foreign transaction fee
  • Best value requires banking relationship with Bank of America

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