Credit and Loans

Bank of America® Unlimited Cash Rewards – Unlimited Simplicity, Smart Earning

Earn unlimited 1.5% cash back on all purchases with no annual fee and smart bonus options

Flat-rate rewards that work for every purchase

Annual Fee: $0
Rewards Rate: Unlimited 1.5% cash back on all purchases
Welcome Offer: $200 online cash rewards bonus after $1,000 in purchases in the first 90 days
Recommended Credit Score: 690–850 (Good to Excellent)

Bank of America® Unlimited Cash Rewards

Earn unlimited 1.5% cash back on every dollar you spend—automatically, with no activation or rotating categories.

GET STARTED WITH A $1,000 LIMIT

Qualify for Bank of America’s Preferred Rewards® program and boost your cash back rate up to 25%–75% more—just for banking with BofA.

Earn 1.5% on everything + bonus with Preferred Rewards.

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How to Apply

Apply online securely with Bank of America and receive a fast decision. Start earning flat-rate rewards right away.

Prefer 2% flat cash back with no program requirements? The Wells Fargo Active Cash® Card delivers top-rate rewards without the complexity.

Earn unlimited 2% on all purchases with no annual fee or category tracking.

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: Yes, you earn 1.5% on every purchase with no categories or enrollment required.
: Yes, if you’re enrolled in Preferred Rewards®, you can increase your cash back up to 2.62% depending on your status.
: Yes, the card charges a 3% foreign transaction fee on purchases made outside the U.S.