Bank of America® Unlimited Cash Rewards Credit Card: Get $200 Bonus!

The Bank of America® Cash Rewards Credit Card checklist includes highly competitive features in the card category. Whenever you’re paying with this card, you are rewarded with unlimited 1.5% cash back on your purchases as long as your account remains open.

Since your cash back doesn’t have an expiration date, it’s an advantageous feature that Americans can keep these rewards indefinitely. The applicants who spend $1,000 or more on online purchases in the first three months will earn a $200 cash rewards bonus.



The ultimate key benefits

Unlimited 1.5% cash back on all purchases:

$200 online cash rewards bonus offer for new cardholders:

  • The customers are eligible for a $200 cashback as soon as they spend $1000 online purchases within the first 90 days of card ownership, at no charge. That’s one reason why the benefits are so generous: instant reward!

No annual fee:

  • Among its many benefits, this card has no annual fee attached, thus is a budget-friendly choice for those who strive to make cash-back rewards without paying an annual fee.

0% introductory APR for the first 15 billing cycles:

  • You have to pay no interest during the introductory period of 0% APR on any purchases and the balance transferred to your account from at the most 15 billing cycles if the process takes place 60 days after account opening. After the initial one-year intro period, the APR will be 18.24% prevailing to 28.24% variable interest rate on your future loans.

Rewards don’t expire:

  • As far as your account is concerned, your cash rewards won’t lapse, and they will remain available to you. As a result, of getting this cashback, you can gather it throughout the whole time and then freely spend it whenever you wish whether it’s in bulk or small amounts.

Access to Bank of America’s rewards program:

  • This card comes with exclusive privileges, such as the reward program instructed by Bank of America, that gives you the power to earn and recycle cash-back points without much effort. The program allows for multiple redemption options such as statement credits, deposit into a Bank of America® checking/savings account, or credit towards items that are eligible.
  • Moreover, this credit card option for Americans offers top-notch security along with all the functionalities of a card connected to the online and technological world. Check it out:

Stay protected:

  • Our team closely monitors all transactions and blocks potential frauds when suspicious patterns are detected. You will be promptly notified if we detect any fraudulent activities on your account.

Contactless chip technology:

  • With just a tap, you can make payments anywhere you see the contactless payment symbol. This technology provides a quick, easy, and secure way to shop at millions of establishments.

Digital wallet technology:

  • Expand your payment options by adding your Bank of America® Unlimited Cash Rewards Credit Card to your mobile device. With Apple Pay, Google Pay™, or Samsung Pay, you can make quick and secure purchases both in-store and in apps.

Mobile app:

  • Access our award-winning Online and Mobile Banking through our app. With it, you can manage your account quickly and securely, wherever you are.

Prerequisites of Bank of America® Unlimited Cash Rewards Credit Card

  • The applicant should be at least 18;
  • Be a resident of one of the US states in which the bank operates;
  • Credit quality is considered. Since it is subject to analysis of credit history, employment history and any other information.

Learn more about application requirements here.

About Bank of America

Bank of America is one of the biggest financial companies in the USA, which has been functioning on the market for years now, making the connection between consumers and banks tighter and deeper.

The bank has had a nationwide presence since 1904, providing a great variety of products alike loan credits, credit cards, and other investment options. Bank of America commits to constant innovation while creating individual specializations to keep up with all types of customers and societies.


Learn more about online banking and apps at: Bank of America Mobile App.


Who is this card indented for?

The Bank of America® Unlimited Cash Rewards Credit Card is just the one for consumers searching for a straightforward cash-back card with no hustle and no annual heading.

It does exactly this, as well as makes a perfect for those people who are interested in getting rewarded for the purchases they make daily.

Step by step to apply for the card

  • Go to the site Bank Of America through your web browser;
  • Navigate to the Bank of America® Unlimited Cash Rewards Credit Card;
  • Press the “Apply Now” button;
  • Include your data including contact information on the application form.

The application is to be submitted, and you should keep your fingers crossed to get approved.

Positives and negatives


  • Unlimited 1.5% cash back on all purchases;
  • $200 online cash rewards bonus offer for new cardholders;
  • No annual fee;
  • 0% introductory APR for the first 15 billing cycles for purchases and balance transfers made within 60 days of opening the account (18.24% to 28.24% variable APR thereafter).


  • Balance transfer fee of 3% (within 60 days of account opening) or 4% thereafter;
  • Cash advance APR of 21.24% to 29.24%;
  • Penalty APR of up to 29.99% may apply.;
  • Late payment fee of up to $40.

How to unlock the card?

Once you receive your Bank of America® Unlimited Cash Rewards Credit Card, you can unlock it by following the instructions provided in the welcome package.

Fees and tariffs

  • Annual Fee: None;
  • Balance Transfer Fee: Introductory fee of 3% (4% thereafter);
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency;
  • Cash Advance Fee: 4% for Direct Deposit and Check Cash Advances, 5% for ATM, Over the Counter, Same-Day Online, and Cash Equivalent Cash Advances.

Want more details about card and credit rates and fees? Access here.

Customer service


Final words

The Bank of America® Unlimited Cash Rewards Credit Card offers unlimited cash back, increased online bonus rewards, and an annual fee of zero.

Americans should be aware that this amount includes additional transfer fees, cash advance APR, penalty APR, and late fee payments. In the end, it’s an excellent deal for residents in the U.S. seeking a no-hassle cash-back card that also includes other benefits.

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