You want a credit card that keeps rewards simple and predictable.
The BoA Unlimited Cash Rewards card offers flat-rate cashback on everyday spending with no category tracking.
This article explains the key perks, costs, and rules so you can decide if it fits your spending habits.
Card Overview
The BoA Unlimited Cash Rewards card gives you unlimited flat-rate cashback on most purchases.
You earn rewards automatically without tracking categories or activating offers.
Cashback Structure
The cashback structure is simple and built for everyday use. You earn rewards automatically on eligible purchases, with no limits or rotating categories.
- Base cashback rate: You earn a flat 1.5% cashback on most purchases.
- Unlimited earnings: There is no cap on how much cashback you can earn each year.
- Eligible spending: Most everyday purchases qualify, excluding cash advances and fees.
- Redemption options: Cashback can be redeemed as a statement credit, direct deposit, or applied to eligible accounts.
Preferred Rewards Boost
The Preferred Rewards boost increases your cashback if you have a qualifying banking relationship.
The more assets you keep with the bank, the higher your rewards rate becomes.
- Program access: Enrollment requires joining the Preferred Rewards program.
- Tier-based boosts: Cashback increases by 25%, 50%, or 75% depending on your tier.
- Effective cashback rate: Your 1.5% base rate can rise up to 2.62% at the highest tier.
- Qualification method: Tiers are based on your combined balances across eligible accounts.
Welcome Offer
The welcome offer gives you a one-time bonus for meeting an initial spending requirement. It rewards early use of the card within a set time frame.
- New cardholder bonus: Earn a cash bonus after qualifying purchases.
- Spending requirement: A minimum spend is required within the first few months.
- Time limit: Purchases must be completed within the stated introductory period.
- One-time offer: The bonus is available only once per new account.
Fees and Interest Rates
Fees and APRs decide the real cost of this card if you carry a balance or use special transactions.
Use these figures to avoid interest charges and plan around fees.
- Annual fee: $0
- Purchase APR: 17.49% to 27.49% (Variable)
- Balance transfer APR: 17.49% to 27.49% (Variable)
- Intro balance transfer fee: 3% for balance transfers made in the first 60 days your account is open
- Ongoing balance transfer fee: 4% after the intro period ends
- Foreign transaction fee: 3% of the transaction
- Late payment fee: Up to $41
- Cash advance APR (Bank Cash Advances): 28.49% to 29.24% (Variable)
- Cash advance fees: 5% for ATM cash advances; other cash-advance types commonly run 4%–5% depending on the transaction type listed in the agreement
- Penalty APR: Up to 29.99% (Variable) if triggered (for example, by a late payment).
Introductory APR Offers
Some cards give you temporary interest relief after you open your account.
For the BoA Unlimited Cash Rewards card, you won’t pay interest on purchases or qualifying balance transfers for a set period.
- 0% Intro APR: 0% APR for the first 15 billing cycles on new purchases.
- Balance transfer intro APR: 0% APR for 15 billing cycles on any balance transfers made within the first 60 days of account opening.
- After intro period: Variable APR applies (typically 17.49%–27.49%).
- Balance transfer timing rule: You must complete the transfer within 60 days to qualify for the 0% APR offer.
Accepted Credit Profile
You need a decent credit history to qualify for this card.
Bank issuers mainly look at your score, income, and payment history when deciding whether to approve you.
- Good to excellent credit: Generally, a credit score of at least ~670+ gives you better odds of approval.
- Typical applicant scores: Many cardholders have scores in the 700+ range, with some above 800.
- Income and history matter: Bank of America also considers your income level and how long you’ve had credit.
- Existing relationship helps: Having other accounts with the bank can increase your chances of approval.
Everyday Benefits
Beyond rewards, this card offers helpful features you use every day. These benefits help protect you and make it easier to manage your account.
- Fraud protection: You get $0 liability for unauthorized charges.
- Mobile app tools: You can monitor transactions and set alerts in the bank’s app.
- Digital wallet support: Works with Apple Pay, Google Pay, and Samsung Pay.
- Account alerts: You’ll get notifications for due dates and suspicious activity.
Limitations to Consider
Before you apply, know the key limitations of this card. These points could affect how valuable the card is for you.
- Flat cash back only: You get the same rate on everything, no bonus categories for groceries or gas.
- Foreign transaction fee: 3% fee on purchases made outside the U.S. reduces rewards when traveling.
- No premium perks: Lacks airport lounge access, travel credits, and elite-style benefits.
- Interest charges: Carrying a balance means you pay a variable APR that can outweigh rewards.
Who This Card Is Best For
This card fits people who want simple rewards and low effort. You benefit most if you make regular payments and pay your balance in full.
- Everyday spenders: You earn on all purchases without tracking categories.
- Bank of America customers: Having other accounts can add value and make approval easier.
- Cashback first: You care more about steady rewards than fancy perks.
- Balance payers: You avoid interest by paying in full each month to make rewards worth it.
How to Apply
Applying for this card is a straightforward online process. You prepare a few personal and financial details before you start.
- Visit issuer’s site: Go to Bank of America’s credit card page.
- Find the card: Locate the Unlimited Cash Rewards card offer.
- Start application: Click “Apply Now.”
- Enter information: Provide your name, address, income, and SSN.
- Review terms: Check rates, fees, and disclosures.
- Submit: Send your application and wait for a decision.
Contact Information
Here’s how you can contact support for questions about the BoA Unlimited Cash Rewards card.
Use these options for customer service, lost cards, or general credit-card help.
- Customer service (U.S.): 800-732-9194 (24/7).
- International calls: +1-302-738-5719 (charges may apply).
- Credit card activation: 800-276-9939 (24/7).
- Billing inquiries: 866-266-0212.
- Mailing address (payments): P.O. Box 15019, Wilmington, DE 19886-5019 (U.S.).
- Mailing address (billing inquiries): P.O. Box 672050, Dallas, TX 75267-2050 (U.S.).
Final Take
The BoA Unlimited Cash Rewards card is best for simple, flat-rate cashback with no annual fee.
It offers solid value, especially if you qualify for Preferred Rewards boosts and pay your balance in full.
If you want predictable rewards with low effort, review the official terms and apply when the offer fits your needs.
Disclaimer
Rates, fees, and offers can change at any time and may vary by applicant. Always review the official terms and disclosures before applying.
