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With an introductory 0% APR offer, flexible redemption options, and a straightforward rewards program, this card is ideal for those looking for a hassle-free way to earn cashback on everyday purchases.
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Benefits of Bank of America Unlimited Cash Rewards Card
- Unlimited 1.5% cashback on all purchases, with no spending caps or rotating categories
- No annual fee, making it a cost-effective cashback option
- 0% Introductory APR on purchases and balance transfers for the first 15 billing cycles
- Flexible redemption options, including statement credits, direct deposits, or travel redemptions
- Bonus rewards for Bank of America Preferred Rewards members, increasing cashback up to 2.62%
- Easy account management through online banking and the Bank of America mobile app
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Pros
- Unlimited 1.5% cashback on all purchases with no category restrictions
- No annual fee, making it a budget-friendly option
- Introductory 0% APR period on purchases and balance transfers
- Preferred Rewards program bonuses for eligible Bank of America customers
- Flexible redemption options for cashback, deposits, or travel rewards
Cons
- Flat 1.5% rate may not be the highest for specific spending categories
- No travel benefits such as airport lounge access or travel insurance
- Requires good to excellent credit (typically 700+) for approval
about the card
The Bank of America Unlimited Cash Rewards Credit Card is an excellent choice for individuals who want a simple and effective cashback program. Unlike other cashback cards that offer different rates for different categories, this card provides a consistent 1.5% cashback on all purchases—no need to track bonus categories or spending limits.
With no annual fee, this card is ideal for those looking to maximize rewards without additional costs. It also features a 0% introductory APR for 15 billing cycles, making it a great choice for large purchases or balance transfers.
One of the standout features of this card is its Preferred Rewards bonus. If you’re a Bank of America customer enrolled in the Preferred Rewards program, you can increase your cashback earnings by up to 2.62% on all purchases, making it one of the highest-earning flat-rate cashback cards available for eligible customers.
The Bank of America Unlimited Cash Rewards Card is perfect for anyone looking for a no-frills, unlimited cashback experience with a simple rewards structure and easy-to-redeem cashback options.
How to Apply for the bank of america unlimited Card
- Visit the official Bank of America website and navigate to the Unlimited Cash Rewards application page
- Click “Apply Now” to begin the application process
- Provide personal details, including name, address, and Social Security number
- Enter financial information, such as annual income and employment status
- Review the terms and conditions, ensuring you meet the credit score requirements
- Submit your application and wait for approval (usually within minutes)
- If approved, your new card will arrive within 7-10 business days
Disclaimer: You will be redirected to the official website.
best card for simple and unlimited cashback
The Bank of America Unlimited Cash Rewards Credit Card is an excellent choice for those who want effortless cashback rewards on every purchase, without worrying about categories or limits.
Top Benefits for Cashback Rewards
- Unlimited 1.5% cashback on every purchase
- No annual fee, making it a cost-effective option
- Introductory 0% APR period on purchases and balance transfers
- Preferred Rewards program bonus, increasing cashback potential
With uncomplicated earning potential and no additional costs, this card is a top contender for cashback rewards.
Benefits Breakdown
| Feature | Details |
|---|---|
| Rewards Rate | 1.5% unlimited cashback on all purchases |
| Annual Fee | $0 |
| Intro APR | 0% on purchases & balance transfers for 15 billing cycles |
| Regular APR | Variable APR after the intro period (based on creditworthiness) |
| Redemption Options | Statement credit, direct deposit, or travel rewards |
| Preferred Rewards Bonus | Up to 75% additional cashback for qualified members |
INTRODUCTORY 0% APR FOR LARGE PURCHASES AND BALANCE TRANSFERS
The 15-billing-cycle 0% APR offer allows you to finance large purchases or consolidate debt without interest. This can save you money on interest payments while you pay down your balance.
How to Improve Your Credit Score to Get Approved for the bank of america unlimited cash rewards credit CARd
The Bank of America Unlimited Cash Rewards Card typically requires good to excellent credit (700+). To increase your chances of approval, consider the following:
- Make timely payments on all credit cards and loans to build a strong payment history
- Keep credit utilization low, preferably below 30% of your available credit limit
- Check your credit report regularly for errors and dispute inaccuracies
- Avoid applying for multiple credit cards within a short period, as multiple inquiries can lower your score
- Increase your existing credit limits (if possible) to improve your credit utilization ratio
Following these steps will increase your approval chances and help you qualify for better rewards programs.
FINAL CONSIDERATIONS
The Bank of America Unlimited Cash Rewards Credit Card is an ideal choice for individuals who prefer a simple, unlimited cashback program. With 1.5% cash back on every purchase, no annual fee, and an introductory 0% APR period, it offers excellent value for everyday spending.
For Bank of America customers enrolled in the Preferred Rewards program, this card becomes even more lucrative, with cashback rates increasing up to 2.62% on all purchases.
While it lacks premium travel benefits, it excels as a straightforward, budget-friendly cashback card with flexible redemption options and no spending restrictions. If you’re looking for an easy way to earn cashback without managing categories or fees, the Bank of America Unlimited Cash Rewards Card is an excellent choice.