Bank of America · Visa
Bank of America® Unlimited Cash Rewards Credit Card
Annual Fee
$0
Sign-Up Bonus
$250
Current offer shown; issuer determines eligibility.
Spend $1,000 in 3mo
Terms apply.
Base Rate
1.5x
on everything
Best For
BofA banking customers who can boost flat 1.5% to 2.625% with Preferred Rewards
Sign-Up Bonus
Bonus: 250 cash back
Details: $250 online cash rewards bonus after $1,000 spend in 90 days (raised from $200; issuer page verified 2026-08-06).
Requirement: Spend $1,000 in 3 months
Estimated value: $250Terms apply. Current offer shown; issuer determines eligibility.
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + 2% on all purchases the first year, then unlimited 1.5% ongoing
- + 1.5% boosts to 2.625% with Preferred Rewards Platinum Honors
- + $200 bonus for $1,000 spend — easy to hit
- + No annual fee
- + 0% intro APR for 15 billing cycles on purchases
Cons
- - Base 1.5% is average without Preferred Rewards
- - Preferred Rewards requires $100K+ in BofA/Merrill accounts for max boost
- - No bonus categories for targeted spending
- - No transfer partners
Rates and fees may vary.See current rates, fees, and terms on Bank of America's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.