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Bank of America · credit
Last updated
Welcome offer — $200 online cash rewards bonus after $1,000 spend in 90 days Verified by source
Apply on Bank of America's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 1.5× | All purchases (1.5%; 25–75% more with Preferred Rewards) Verified by source |
|---|
No lounge access.
Using BofA Unlimited Cash at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Around 29.99% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Bank of America® Unlimited Cash Rewards has no annual fee.
The Bank of America® Unlimited Cash Rewards earns 1.5% on all purchases (up to 2.62% with Preferred Rewards).
No — the Bank of America® Unlimited Cash Rewards does not include airport lounge access.
Yes — the Bank of America® Unlimited Cash Rewards charges a 3% foreign transaction fee.
$200 online cash rewards bonus after $1,000 spend in 90 days. Welcome offers change frequently — confirm the current one on the issuer's page before applying.