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Bank of America Unlimited cash Review

The basics

Balance transfer details

Intro APR


Intro Period

18 billing cycles



Annual Fee


Regular APR

17.49% - 27.49% var

Credit Score Required


Good for: Extended 0% intro APR period on balance transfers

Our verdict

This is a great card if you have a solid credit score and are also a Preferred Rewards Member of BofA already as you collect even more rewards. If you don't qualify for that status then this card really doesn't stand out from the pack of cash back cards when it comes to rewards and bonuses.

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Beyond the basics

  • 0% intro APR for 18 billing cycles for any purchases and balance transfers made in the first 60 days 0% intro APR for 18 billing cycles for any purchases

Purchase APR

0% for 18 billing cycles

Cash Advance APR


Penalty APR

Up to 29.99%

Sign up Bonus

200 cash rewards

Foreign Transaction Fees


Late Fees

After 1 year, $40



Full review

Lender description Bank of America is a multinational financial services company with corporate headquarters in Charlotte, North Carolina. It provides a variety of financial services including bank accounts, loans, mortgages, investing, credit cards & banking services.

Best used for

  • Making large purchases

Pros & cons

  • Unlimited 1.5% cash back on all purchases
  • $200 signup bonus (exclusively online)
  • Preferred Rewards members earn up to 75% more cash back on purchases making it stand out as a flatrate cash back card
  • 3% foreign transaction fee
  • You have to have at least $25,00 in your Bank of America account to qualify for Preferred Rewards status Must have a credit score of at least 670

Most suitable for

Card reward details $200 initial bonus| 1.5% cash back on all purchases

How to apply Apply online by providing basic personal information. You must to be at least 18, have a Social Security number, and be a legal resident of the U.S.

Available The Bank of America Card Unlimited Cash Rewards Card is available nationwide.

Balance transfer example