Overall card rating
3.8
from Credit Karma members
Most helpful positive review
Credit Karma Member
I love the unlimited cash back feature, sign on bonus and 0% promotional offer on purchases. It was easy to apply online and I received the card within 10 days.
Most helpful negative review
Credit Karma Member
811 score with no debt and got denied. No worth getting a hard inquiry for such a hard to get card.
Member ratings
All member reviews (28)
5 stars
16
4 stars
1
3 stars
0
2 stars
2
1 stars
9
Credit Karma Member Even if you have 740+ score with no Delinquency, the chances that they turn you down is very high and then you left with big FAT hard inquiry on your credit. Don’t believe me apply!
Credit Karma Member They will decline you based on your relationship with them meaning if you do not have an account with them don't bother. I have an 815 credit score with more than a hundred thousand available credit, zero percent utilization and twenty years perfect payment history and was denied "based on our relationship" and apparently they had to pull my credit twice to come to this decision so now I have two hard pulls on my credit from B of A. What a waste of time.
Credit Karma Member Simple sign in and all info is filled. Great limit and fast approval.
Credit Karma Member
I applied for this card with a 750-credit score and got approved with a $21,000-credit limit. I made purchases that totaled $1000 within the first 3 months and received a $200 cash bonus with I applied to my balance. Great card.
Credit Karma Member Don't waste your time with BOA. You can get 2% or more cash back with competitor cards and at least one of them doubles your 1st year cash at the end of 12 months. Others will allow you to automatically convert your cash back to statement credit each month -- BOA doesn't do that. You have to manually convert credit to either statements or have a check sent (or presumably to a BOA checking, but I haven't one of those with them in _years_.)
Credit Karma Member
Credit Karma Member I applied for this card over three weeks ago. My credit is pretty good, so there shouldn't have been a reason I didn't get an instant approval, but they said my application needed further review. Well its been 3 weeks now and the status of my application still says "in review". And let me also mention that I have been banking with Bank of America for over 25 years!!! At this point, id rather them just deny my application so I can apply elsewhere.
Credit Karma Member My credit score is 780+. According to credit karma my chance of approval is very good. Still application was denied. A complete waste of time
Credit Karma Member Waste of time and hard credit pull. Wanted to do a balancer transfer and they ask on the app to know how much without telling you want your credit limit will be. I was approved but the credit limit was a joke. And transferring the balance from another card would have put me in over the 30% usage rate. I cancelled the card and will not reapply.
Credit Karma Member I wouldn't do business with this bank if it were the last bank left
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online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No limit to the amount of cash back you can earn and cash rewards don’t expire.
0% intro APR for 18 billing cycles, 16.99% - 26.99% Variable APR after that
0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days, 16.99% - 26.99% Variable APR after that
Balance Transfer Fee 3% (min $10)
Bank of America Unlimited Cash Rewards credit card Pros & Cons
$200 initial bonus (online exclusive)
1.5% cash back on all purchases
Potential for a very high regular APR
3% foreign transaction fee
Bank of America Unlimited Cash Rewards credit card Review
View 25 User Reviews
| cash advance fee | See Terms |
| cash advance APR | See Terms |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-PIN |
| max late fee | See Terms |
| max overlimit fee | $0 |
| max penalty APR | 29.99% (V) |
| grace period | See Terms |
at Bank of America's secure site
New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.99% - 26.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
at Bank of America's secure site
Can't find what you are looking for? Submit your question about Bank of America® Unlimited Cash Rewards credit card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Maria Adams, Credit Cards Moderator The best Bank of America® Unlimited Cash Rewards credit card promotion is an initial bonus of $200. To get this Bank of America Unlimited
Cash Rewards credit card promotion, cardholders must spend $1,000 within 90 days of opening an account. There are a few other notable Bank of America Unlimited Cash Rewards credit card promotions to take advantage of as well. Bank of America Unlimited Cash Rewards credit card Promotions for October 2022 Credit card promotions change often, so if you see something you're particularly interested in, you should consider applying for the Bank of America Unlimited Cash Rewards credit card to take advantage of the offer while it's available. Another
factor in your decision to apply should also be whether this card will continue to be worthwhile even after its limited-time promotions end. Lisa Cahill, Credit Cards Moderator Sydney Garth, Credit Cards Moderator Adam McCann, Financial Writer Chip Lupo, Credit Card Writer Chip Lupo, Credit Card Writer Chip Lupo, Credit Card WriterWhat are the best Bank of America Unlimited Cash Rewards credit
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Sydney Garth, Credit Cards Moderator
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Cameron DiGiovanni, Writer
Share your insights and review the Bank of America® Unlimited Cash Rewards credit card
What's Your Rating?
James
May 23, 2022 • @jamesewell50
5 Star Rating
Verified CustomerPlease bank at BOA, they have best customer service and great benefits. Their cash back awards is like no other Banks'. The huge savings is worth the savings to turn it into investing in same bank for the future to come and have a safe and secured retirement plan. I highly recommend and see whats in my wallet so bank with a real bank at Bank Of America.
Comment
whuser16449284
January 17, 2022 • @whuser16449284
1 Star Rating
They're advertising a Signature Level card on this site which is a bit misleading. You must have $100000 on account at a Qualifying BoA or have $100000 invested through BoA to get the Signature Level $5000 CL card, if not you will be getting the $600 - $1000 Platinum card.
Some partner sites only require good
credit for approval as apposed to WH and others who require an excellent score for approval.
Comment
Louis V
October 27, 2021 • @Bitholov
5 Star Rating
4.8 / 5. This card is approved with classic FICO score over 680, not only excellent score
Comment
Alison
September 19, 2021 • @alisong_12
5 Star Rating
Verified Customerthis is a terrific new card. the reason that I got it is because of the promotional bonus. After I charge $1000 on it which I do easily, I get a $200 cash bonus. I think that's great.
Comment
+ 21 users submitted a rating without writing a full review
Review Bank of America® Unlimited Cash Rewards credit card
Bank of America® Unlimited Cash Rewards credit card
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