Cash Back card review
Bank of America® Unlimited Cash Rewards credit card
Bank of America's flat-rate card. Like its sibling, it gets much better with Preferred Rewards balances.
Open to new applicantsPartly verified
At a glance
Annual fee$0
Welcome offer$250 cash rewards bonus
IssuerBank of America
Rewards programBank of America Cash Rewards
Foreign transaction feeNot confirmed
Welcome offer
$250 cash rewards bonus.
Bank of America labels this a limited-time online offer. The student version shows $1,000 in 90 days; the standard card's requirement was not displayed.
Offers vary. Welcome offers on this card can differ by applicant, by referral and by the link you apply through. The figure above is what our source showed on the date given, not a guarantee of what you will be offered.
Earning rates
Not verified. We could not confirm this card's earning rates against a page we could read during this build, so none are listed. We would rather leave this blank than print a number we have not checked. The issuer's own product page has the current rates.
Benefits and credits
- No annual fee
- Preferred Rewards boost Qualifying balances increase the flat rate.
Restrictions worth knowing
- Bank of America's 2/3/4 application rule applies.
- The base earning rate was not displayed on the listing page we read.
How to use it well
- Only compelling if you hold Preferred Rewards balances. Otherwise compare against a straightforward flat 2% card.
- If you already hold this card and had a Spirit Airlines card, your Spirit account is being converted here rather than to the Customized Cash.
Sources and freshness
What we checked: Fee and bonus headline from Bank of America's own listing page, 2 November 2026. Spend requirement and base rate were not displayed.
- Bank of America: credit cards — read November 2, 2026
Last updated: November 2, 2026.
Other Bank of America cards
- Bank of America® Customized Cash Rewards credit card — $0, open to new applicants
- Bank of America® Premium Rewards® credit card — $95, open to new applicants
- Bank of America® Travel Rewards credit card — $0, open to new applicants