Unlimited 2% Cash Back Your First Year Plus a $200 Bonus
Plus pay no annual fee and save on interest with a generous intro APR.
Expert Reviewed
1.5% cash back on all purchases after the first year from account opening.
Expert Reviewed
We love that the Bank of America® Unlimited Cash Rewards credit card lets you earn an impressive 2% cash back in your first year (then a solid 1.5% back after that). You can also take a break from interest with an introductory APR offer, unlock a valuable welcome bonus, and pay no annual fee. If you have good to excellent credit and are looking for a top-rated cash back card, keep reading—you may have just met your match.
Earn a $200 Cash Rewards Bonus
With the Bank of America® Unlimited Cash Rewards credit card, new cardholders can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This means you’re earning an additional 20% back on the first $1,000 you spend on your card.
Pay No Interest for 15 Months
The Bank of America® Unlimited Cash Rewards credit card comes with an introductory offer that applies to both purchases and qualifying balance transfers. You’ll get a 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% - 27.49% Variable APR will apply.
If you want to take advantage of the card’s introductory APR offer for balance transfers, keep in mind that you’ll need to act quickly. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. However, these fees are likely much lower than the interest you are paying on another card. The ongoing APR will apply after that introductory period is over so it’s good to make a budget and pay that balance down within 15 billing cycles if possible.
Solid Flat-Rate Cash Back
New cardholders will earn an unlimited 2% cash back on purchases for the first year from account opening. There are no spending caps or categories to worry about, making it an excellent choice for everyday spending. After the first year, you’ll earn 1.5% back.
Bank of America® Unlimited Cash Rewards credit card
1.5% cash back on all purchases after the first year from account opening.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This cash back credit card offers unlimited 2% cash back on all purchases for the first year making it an excellent, straightforward option for those looking for a flat rate credit card. There is also a generous online cash rewards bonus, no annual fee and an intro APR on purchases and qualifying balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
- No annual fee.
- Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Other Cash Back Card Options
If you are in the market for a card that offers an intro APR, a bonus, ongoing cash back, and doesn’t charge an annual fee, then the Bank of America® Unlimited Cash Rewards credit card is tough to beat. To help you compare your top options, we have rounded up some other compelling cards from our partners that may also appeal to you.
$250 Limited-Time Bonus Plus Huge Earning Potential
Chase Freedom Unlimited®
We really like that the Chase Freedom Unlimited® card offers a straightforward way to earn cash back while also providing some enticing bonus categories and a generous welcome offer. For a limited time, you can earn a welcome bonus of $250 cash back after you spend $500 on purchases in the first three months of account opening. And you’ll also earn 5% on travel purchased through Chase Travel℠, 3% at drugstores and on dining at restaurants, including takeout and eligible delivery services, and an unlimited 1.5% cash back on your other purchases. Aside from the incredible cash back, you’ll enjoy no annual fee and 0% Intro APR on Purchases and Balance Transfers for 15 months, then 18.24% – 27.74% Variable.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. For a limited time, you can earn a welcome bonus of $250 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- Limited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% – 27.74%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.