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

The Bank of America Unlimited Cash Rewards Credit Card offers 1.5% cash back on all purchases with no category restrictions, a 0% introductory APR for 15 billing cycles, and no annual fee. Preferred Rewards members can boost cash back by 25% to 75%, enhancing savings further.

Por: Linda Carter em 12 de December de 2025

Unlock the potential of your everyday purchases with the Bank of America Unlimited Cash Rewards Credit Card. Offering an enticing opportunity to earn unlimited 1.5% cash back on all transactions, this card is a smart choice for those who make frequent purchases.

Aside from its earning potential, the card comes with a competitive introductory APR on purchases, making it appealing for those looking to manage expenses with flexibility and ease. The card has no annual fee, allowing holders to maximize their rewards without the burden of extra costs.

Designed with simplicity in mind, this card provides a straightforward rewards structure. Whether you’re grocery shopping, dining out, or making big-ticket purchases, you can swiftly and consistently earn cash rewards. Navigate your credit card options with confidence by exploring what the Bank of America Unlimited Cash Rewards Credit Card has to offer.

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Benefits of the Bank of America Unlimited Cash Rewards Credit Card

Unlimited 1.5% Cash Back on Every Purchase

The Bank of America Unlimited Cash Rewards Credit Card offers an enticing 1.5% cash back on all your purchases, with no category restrictions. This means whether you’re buying groceries, filling up your gas tank, or shopping online, you’ll earn rewards effortlessly. To maximize this benefit, consider using this card for everyday purchases, which will steadily accumulate cash back over time. Remember, there are no limits to the amount you can earn, making it easy to enhance your savings with regular spending.

Introductory 0% APR Offer

Another appealing feature of this card is its 0% introductory APR on purchases and qualifying balance transfers for the first 15 billing cycles. This can be particularly beneficial if you plan to make a significant purchase or want to consolidate higher-interest debt. However, remember to repay the balance before the introductory period ends to avoid interest charges.

Additional Cash Back with Bank of America Preferred Rewards

If you’re part of the Bank of America Preferred Rewards program, you can earn even more cash back. Members can receive a 25% to 75% rewards bonus on each purchase, depending on their rewards tier. To make the most of this program, consider consolidating your financial accounts with Bank of America to qualify for these impressive bonus rates, maximizing the value of every dollar spent.

No Annual Fee

This credit card adds further value with its no annual fee, allowing you to enjoy all these rewards without an extra financial burden. By opting for a card with no annual fee, you can prioritize building rewards and managing finances without additional yearly costs.

SEE HOW TO GET YOUR BANK OF AMERICA UNLIMITED CASH REWARDS CREDIT CARD

Feature	Benefit
Unlimited 1.5% Cash Back	Earn cash rewards on every purchase, making it easy to earn without worrying about rotating categories.
No Annual Fee	Keep more of your money with a card that has no yearly charge, maximizing your cash back rewards.

The Bank of America Unlimited Cash Rewards Credit Card offers simple and effective *cash back rewards*, making it a great option for everyday spending. With the advantage of earning a consistent cash back rate on all purchases, this card attracts individuals looking for straightforward benefits without the hassle of managing temporary spending categories.Moreover, the absence of an annual fee means that cardholders can enjoy the perks of cash back rewards without incurring additional costs. This makes the card accessible and appealing to a wider audience, providing a beneficial financial tool for both frequent and occasional users. Additionally, the potential for enhancing savings through cash back can accumulate over time, providing cardholders with the opportunity to enjoy their rewards as they spend. This straightforward approach to cash back rewards further enhances the appeal of the Bank of America Unlimited Cash Rewards Credit Card, making it a worthy consideration for those interested in maximizing their financial rewards.

Requirements for the Bank of America Unlimited Cash Rewards Credit Card

Minimum Age: Applicants must be at least 18 years old. This is a standard legal requirement for opening a credit card in the United States.
Credit Eligibility: A good to excellent credit score is recommended. Typically, this means a score of 670 or higher. A stronger credit score improves your chances of approval and might offer better interest rates.
Proof of Income: You will need to provide evidence of a stable income to assure the bank of your ability to make credit card payments. This can include salary slips, tax returns, or bank statements.
U.S. Residency: Applicants must be legal residents of the United States. Proof of residency might be required during the application process.
Social Security Number: A valid Social Security Number is necessary for identification and credit check purposes.

Step-by-Step Guide to Apply for the Bank of America Unlimited Cash Rewards Credit Card

Step 1: Visit the Bank of America Website or Local Branch

To begin your application for the Bank of America Unlimited Cash Rewards Credit Card, you can choose to start online or in-person. If you prefer the online route, go to the Bank of America website dedicated to this credit card. For those who would rather apply in person, visit your local Bank of America branch where a representative can guide you through the application process.

Step 2: Gather Required Information

Before you begin the application, ensure you have all necessary personal information at hand. This includes your Social Security number, employment details, and annual income. Having this information ready will make your application process smoother and quicker.

Step 3: Fill Out the Application

If you’re applying online, click on the “Apply Now” button to access the application form. Carefully fill out each section, making sure to provide accurate information. If applying in person, a bank representative will assist you in completing the form. Pay attention to each detail to avoid any delays in processing your application.

Step 4: Review and Submit

Once you’ve filled out your application, take a moment to review all the information you’ve provided. Ensure everything is correct to prevent any potential issues. After double-checking, submit your application. If you’re doing this online, you should receive a confirmation of your submission immediately. In-person applicants will be notified by the bank representative.

Step 5: Wait for Approval

After submitting your application, Bank of America will review it and determine your eligibility for the credit card. You may receive immediate approval, or you might be contacted for additional information. Keep an eye on your email for any communications from the bank.

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?

The Bank of America Unlimited Cash Rewards Credit Card offers several attractive benefits. One of the main advantages is earning unlimited 1.5% cash back on all purchases. This makes it a straightforward option for those who prefer a simple rewards structure without worrying about rotating categories. Additionally, there’s no annual fee, allowing you to maximize your rewards without an added cost.

Is there a sign-up bonus for new cardholders?

Yes, new cardholders can enjoy a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening. This bonus provides a great incentive when you first start using the card, effectively boosting your initial earning potential.

How does the cash back redemption process work?

The cash back you earn can be redeemed in multiple ways that suit your preferences and needs. You have the option to receive your cash rewards as a statement credit, which reduces your balance, or get them deposited directly into your Bank of America checking or savings account. You can also choose to contribute your rewards to an eligible Merrill investment account, allowing them to potentially grow further. Importantly, there’s no minimum redemption requirement, giving you flexibility in how and when you cash out your rewards.

Does the card offer any introductory APR rates?

Yes, the card offers a 0% introductory APR on purchases and balance transfers for the first 18 billing cycles. This can be particularly beneficial if you plan to make a big purchase or transfer a balance from another card. After the introductory period, a variable APR of 15.99% – 25.99% will apply, based on your creditworthiness.

Are there any foreign transaction fees with this card?

Yes, the Bank of America Unlimited Cash Rewards Credit Card comes with a 3% foreign transaction fee. This is important to keep in mind if you plan to use the card while traveling abroad. For frequent international travelers, it might be worthwhile to consider a card without such fees.