Learn How to Apply for Bank of America Unlimited Cash Rewards Credit Card

The Bank of America Unlimited Cash Rewards Credit Card offers enticing benefits, including unlimited 1.5% cash back on all purchases, an 18-month 0% introductory APR, and no annual fee. Enhance earnings up to 75% with the Preferred Rewards program. Perfect for everyday expenses and savvy money management.

Por: Linda Carter em 28 de November de 2025

Get Rewarded for Every Purchase

Imagine the satisfaction of earning rewards each time you swipe your card. The Bank of America Unlimited Cash Rewards Credit Card offers an enticing unlimited 1.5% cash back on all purchases. Whether it’s a trip to the grocery store, booking your next vacation flight, or enjoying a night out at your favorite restaurant, this card ensures you receive rewards for your everyday spending. It’s a straightforward and reliable benefit that makes your daily transactions even more valuable.

No Annual Fee and Easy Accessibility

Another standout feature is the absence of an annual fee. This means that accessing the benefits of the card does not come with hidden costs. It’s a great option for those looking to enhance their daily spending efficiency without worrying about additional yearly charges. This accessibility makes it inviting for budgeting individuals and families.

Enhanced Rewards for Bank of America Customers

If you are already a Bank of America customer, there are even more advantages. By enrolling in the Bank of America’s Preferred Rewards program, you can increase your cash back rewards by up to a substantial 75%. For example, if you enter the program’s Platinum Honors tier, your 1.5% cash back could be elevated to 2.62%. This enhancement is especially beneficial for loyal customers who want to maximize their purchasing power.

A Rewarding Choice for Everyday Expenses

Ultimately, the Bank of America Unlimited Cash Rewards Credit Card offers a seamless, rewarding shopping experience for everyone. Whether you’re running your daily errands or planning larger expenses, the cash back benefits help you make the most of your money. Consider this card if you want a hassle-free, beneficial way to earn rewards on all your purchases.

Benefits of the Bank of America Unlimited Cash Rewards Credit Card

1. Unlimited 1.5% Cash Back on All Purchases

With the Bank of America Unlimited Cash Rewards Credit Card, you’re entitled to earn an unlimited 1.5% cash back on every purchase you make. This means whether you’re buying groceries, paying for gas, or treating yourself to something special, you’ll earn a straightforward cash back rate. Unlike some cards that rotate rewards categories, this card offers a consistent rate, making it easier for you to accumulate rewards. To maximize this benefit, consider using this card for everyday expenses to ensure your purchases are continuously earning cash back.

2. Introductory 0% APR Offer

This card extends an enticing 0% introductory APR on purchases for the first 18 billing cycles. Additionally, it offers the same 0% introductory APR for any balance transfers made within the first 60 days. After the introductory period, a variable APR applies. This feature can be particularly advantageous if you’re planning a significant purchase or want to transfer existing credit card balances to save on interest. To make the most of this benefit, try paying off your balance in full before the introductory period ends to avoid any interest charges.

3. No Annual Fee

The absence of an annual fee on the Bank of America Unlimited Cash Rewards Credit Card ensures that you can keep this card for as long as you like without worrying about recurring costs. This is particularly beneficial for budget-conscious individuals who want to enjoy rewards without incurring additional yearly expenses. Use this feature by keeping your account active with small, regular purchases to boost your credit score over time without an added cost burden.

4. Preferred Rewards Program

If you’re a part of the Bank of America’s Preferred Rewards program, you can increase your cash back earnings by an additional 25% to 75%. This means your 1.5% cash back could grow substantially, depending on your membership tier. To qualify, maintain a certain balance across your Bank of America and Merrill accounts. If you’re not yet a member, consider consolidating your assets with Bank of America to access these enhanced rewards.

GET YOUR BANK OF AMERICA UNLIMITED CASH REWARDS CREDIT CARD THROUGH THE WEBSITE

One of the key features of the Bank of America Unlimited Cash Rewards Credit Card is its rewards program, which allows cardholders to earn a consistent return on their purchases without the hassle of category limitations. This card offers a straightforward 1.5% cash back on every purchase, making it an ideal choice for those who prefer simplicity and value.In addition to the cash back on purchases, the Bank of America Unlimited Cash Rewards Credit Card comes with no annual fee. This means that users can take full advantage of the benefits without worrying about additional costs eating into their rewards. This is particularly beneficial for people who may not use their credit card extensively throughout the year.Another enticing aspect is the introductory offer available for new cardholders. Often, there are promotional cash back bonuses when you spend a certain amount within the initial months of account opening. For example, cardholders might receive a cash bonus once they meet the spending threshold, which adds an exciting incentive to using the card right from the start.The card also provides flexibility and convenience with its contactless payment feature. This ensures a quick and secure way for cardholders to make purchases, especially in today’s fast-paced world where time and security are paramount. As an added benefit, the card includes access to credit card perks, such as online shopping discounts, extended warranty on purchases, and purchase protection, significantly enhancing the value for cardholders.Additionally, users of the Bank of America Unlimited Cash Rewards Credit Card can easily manage their accounts through the Bank of America mobile app. This user-friendly app helps cardholders stay on top of their spending, track rewards, and even set up alerts for payment due dates, which is vital for maintaining good credit.In summary, the Bank of America Unlimited Cash Rewards Credit Card is designed for individuals who seek a straightforward, rewarding credit card experience without the complications of rotating categories or annual fees. With its cash back rewards, flexible payment options, and user-friendly tools, it serves as an excellent financial product that can fit seamlessly into everyday life.

Requirements for the Bank of America Unlimited Cash Rewards Credit Card

U.S. Residency: Applicants must be at least 18 years old and reside in the United States, ensuring legal eligibility to apply for credit products.
Credit Score: A good to excellent credit score, generally considered to be 670 or higher, is typically required to qualify. This helps assess your creditworthiness based on past financial behavior.
Steady Income: Proof of a steady income is crucial, as it demonstrates your ability to make timely payments. Bank statements, pay stubs, or tax returns might be necessary to verify your income level.
Identification Documents: Be prepared to present valid identification, such as a Social Security number, to establish your identity and meet legal requirements.
Debt-to-Income Ratio: Maintaining a healthy debt-to-income ratio can favor your application. This metric shows lenders your ability to manage monthly debt obligations compared to your income.

LEARN MORE DETAILS ABOUT BANK OF AMERICA UNLIMITED CASH REWARDS CREDIT CARD

Applying for the Bank of America Unlimited Cash Rewards Credit Card

Step 1: Visit the Bank of America Credit Card Page

To start the application process for the Bank of America Unlimited Cash Rewards Credit Card, you should first visit the official Bank of America website. Navigate to the credit cards section, where you will find various options including the Unlimited Cash Rewards Credit Card.

Step 2: Review Card Details and Requirements

Before proceeding with the application, take a moment to review the card’s benefits and requirements. This card offers cashback rewards and may have specific eligibility criteria such as a minimum credit score. Understanding these details ensures you’re applying for the most suitable option for your financial situation.

Step 3: Start Your Application

Once you’re ready, click on the application button for the Unlimited Cash Rewards Credit Card. You will be directed to a form where you’ll need to provide personal information such as your name, address, social security number, and income details. Make sure to fill out the form accurately to avoid delays in processing.

Step 4: Review Your Information and Submit

Before submitting your application, carefully review all the information you’ve provided. Double-check for any errors or omissions. Once you are confident that everything is correct, submit your application. You should receive a confirmation notification regarding the status of your application.

Step 5: Await Approval

After submission, your application will be under review. Bank of America will typically notify you about approval or any additional steps needed via email or mail. Be patient as this process can take a few days. Upon approval, you’ll receive further instructions on how to activate your new credit card.

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Frequently Asked Questions about the Bank of America Unlimited Cash Rewards Credit Card

What are the main benefits of the Bank of America Unlimited Cash Rewards Credit Card?

This credit card offers several appealing benefits, including an unlimited 1.5% cash back on all purchases. There are no categories to track or sign-ups required to earn rewards. Additionally, cardholders can enjoy the introductory 0% APR on purchases for the first 18 billing cycles, making it an excellent choice for those looking to finance large purchases or manage their cash flow more effectively.

Is there an annual fee associated with this credit card?

One of the attractive features of the Bank of America Unlimited Cash Rewards Credit Card is its $0 annual fee. This makes it a cost-effective option for those who want to earn cash back without worrying about upfront charges eating into their rewards.

How can I redeem the cash back rewards earned with this card?

Redeeming your cash back rewards is straightforward. You have the flexibility to apply your cash rewards as a statement credit or deposit them directly into an eligible Bank of America or Merrill account. This flexibility provides cardholders with convenient options to use their rewards in a way that best benefits their financial goals.

Are there any foreign transaction fees for this credit card?

Yes, the Bank of America Unlimited Cash Rewards Credit Card does charge a 3% foreign transaction fee on purchases made outside of the United States. This is an important consideration for those who frequently travel abroad, as it might impact the overall cost of using the card during international trips.

What credit score do I need to apply for this credit card?

The Bank of America Unlimited Cash Rewards Credit Card is typically designed for individuals with good to excellent credit. While each application is subject to approval based on various factors, a score of around 670 or higher generally increases your chances of being approved for this card. Having a solid credit history can further enhance your application prospects.