- Sign-Up Bonus
- 4
- Spending Multipliers
- 2.5
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 4
- Spending Multipliers
- 2.5
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Bank of America Unlimited Cash Rewards credit card is a straightforward, no annual fee cash back card designed for consumers who want a simple, flat-rate rewards structure without managing multiple categories. Cardholders earn 1.5% cash back on every purchase, making it ideal for students, casual spenders, and those who prefer predictability over rotating or tiered categories, and new cardholders earn an elevated 2% cash back on all purchases during the first year. While it carries a 3% foreign transaction fee, this card is best suited for U.S.-based spenders looking for a hassle-free cash back card that rewards every purchase equally, without the need to track bonus categories or spending caps.
Pros
No annual fee
Cons
3% foreign transaction fee
Only 1.5% on all category
Issuer
Spending Multipliers
Credits & Features
United 2% cash back in the first year instead of the usual 1.5%
Application
- Ability to get some BoA cards without a SSN or credit history
- BoA has a 2/3/4 role, meaning you can only be approved for 2 cards in 2 months, 3 cards in 12 months, and 4 cads in 24 months
- You cannot get this card if you currently have or have had it in the past 24 months
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- 17.49% - 27.49% Variable APR
- 29.24% APR for Cash Advance
- 5% of each cash advance transaction
- 17.49% - 27.49% APR for Balance Transfer
- 5% of each transfer amount