Bank of America · Visa Signature · Personal
Bank of America Unlimited Cash Rewards
A no-annual-fee card earning Preferred Rewards: 1.5× on everything.
- Annual fee
- $0No annual fee
- Signup bonus
- $200Cash bonus
- Top rate
- 1.5×All Other
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash | $200 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $200 | $0 |
Bonus terms: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
Earning structure
1 category, 1 rate
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| All Other | 1.5× | $1.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Bank of America
- Point system
- Preferred Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- Yes
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules4
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
- BA 3/12
You may be declined if you've opened 3 new credit card accounts in the last 12 months if you ARE NOT a Bank of America customer.
- BA 7/12
You may be declined if you've opened 7 new credit card accounts in the last 12 months if you ARE a Bank of America customer.
- BA 2/3/4
You may be approved for two Bank of America credit cards in two months, three in 12 months, and four in 24 months.
Benefits3 · 0 high value
- Earn Perks & Status Tier 1: Gold Benefits + 2 more earn perks & status benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Bank of America Unlimited Cash Rewards |  Bank of America Customized Cash Rewards |  Bank of America Travel Rewards |  AAFES Military Star | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | $200 | $200 | 25,000 pts | None |
| Top rate | 1.5×All Other | 3×Monthly Categories | 3×3 categories | 2×All Other |
| Travel value * | –Preferred Rewards | –Preferred Rewards | 1¢Travel Rewards | –Cash back |
| Why it’s here | This card | Same issuer and the same Preferred Rewards points | Also no annual fee | Also no annual fee |
Video and discussion
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* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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