Unlimited Cash Rewards
Bank of America
Unlimited Cash Rewards
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 25
Current $200 vs typical $200
Net value after annual fee: ~$200
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Unlimited Cash Rewards
Welcome Offer
Earn a $200 bonus after spending $1,000 in the first 90 days.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bank of America 2/3/4 rule
Bank of America is observed to limit personal card approvals to 2 in 2 months, 3 in 12 months, and 4 in 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
1.5% cash back on every purchase (unlimited)
Up to 75% more with Preferred Rewards
Key benefits
Unlimited 1.5% cash back on every purchase
Unlimited 1.5% cash back on every purchase
No annual fee
No annual fee
Up to 75% more rewards with Preferred Rewards
Up to 75% more rewards with Preferred Rewards
Perks
0% intro APR for 15 billing cycles
0% intro APR for 15 billing cycles
Cash back doesn't expire
Cash back doesn't expire
No foreign transaction fees
No foreign transaction fees
Good fit for
About this card
The Bank of America Unlimited Cash Rewards is a cash back card with no annual fee. New cardholders can earn 200 cash after spending $1,000 in 90 days.
Best for
credit card beginners, anyone wanting simple cash back
Key considerations
No annual fee makes this easy to keep long-term.
Card analysis
Offer analysis
The current offer on the Unlimited Cash Rewards awards 200 cash after spending $1,000 within 90 days of account opening.
Annual fee value
The Unlimited Cash Rewards has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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