Apply for Bank of America Unlimited Cash Rewards Credit Card Online

Looking for a simple way to earn cashback on every purchase while keeping your finances flexible? Whether you’re just starting to build credit, managing a small business, or looking for everyday value without annual fees, the Bank of America Unlimited Cash Rewards Credit Card could be the right solution.

With unlimited 1.5% cashback and no rotating categories, it’s a powerful tool for anyone aiming to make their money work harder.

What Makes the Unlimited Cash Rewards Card Special?

The Bank of America Unlimited Cash Rewards Credit Card is a no-annual-fee cashback card designed for ease and flexibility. Issued by Bank of America, it delivers a flat 1.5% cashback on all purchases—no categories, no limits, and no guesswork.

It’s one of the best cards for people who want consistent cashback rewards, don’t want to track categories or quarterly limits, prefer a straightforward, reliable credit-building option, and are Bank of America customers (additional bonuses may apply).

If you want a hassle-free rewards system with digital tools and solid security features, this card stands out from many alternatives.

Why Cardholders Love It: Core Features You Should Know

Let’s break down the major reasons people are applying for this card. It’s not just about the cashback—it’s about the value.

Unlimited 1.5% Cashback on Every Purchase

Every dollar you spend earns you 1.5% back automatically. There’s no need to activate categories or track spending habits—this is one of the simplest and most rewarding cashback structures available today.

$200 Online Cash Rewards Bonus

New applicants can receive a $200 bonus when they spend at least $1,000 within the first 90 days. That’s an easy way to jumpstart your rewards.

0% Intro APR on Purchases and Balance Transfers

Enjoy a 0% introductory APR for 15 billing cycles on purchases and balance transfers made within the first 60 days. After that, a variable APR of 18.24% to 28.24% applies.

No Annual Fee Ever

There are no hidden charges and no annual fee to worry about, making this a great long-term card for anyone who wants to keep costs low.

Boosted Rewards for Bank of America Customers

If you’re enrolled in the Preferred Rewards program, you can increase your cashback rate by 25% to 75%.

Together, these features offer flexibility, financial rewards, and ease of use—making it better than most alternatives for users who want simple earning potential.

Consider This Before You Apply

While the Unlimited Cash Rewards card delivers a lot of value, it might not be ideal for everyone. People who regularly spend heavily in specific categories (like groceries, gas, or travel) might earn more from cards that offer bonus category rewards. Also, while the 0% intro APR is helpful, a balance transfer fee of 3% still applies.

Additionally, while this card is accessible to people with good to excellent credit, it might not be the best fit for those with poor or limited credit histories. 

How to Apply Online in Just a Few Steps

Ready to get started? Applying online takes only a few minutes. Here’s how to do it:

1. Visit the Bank of America Official Website: Go to bankofamerica.com and click on the “Credit Cards” section.
2. Select the Unlimited Cash Rewards Card: Find the Unlimited Cash Rewards Card under the “Cash Back” cards category.
3. Click ‘Apply Now’: You’ll be redirected to a secure application form where you can begin the process.
4. Fill in the Online Application: Enter your personal information, income, and employment details. Make sure to double-check your entries before submitting.

Once you submit the application, you may receive an instant decision. If approved, expect your card to arrive by mail within 7 to 10 business days.

Is This Card Right for You?

If you’re a U.S. resident looking for an easy-to-use cashback card that doesn’t nickel and dime you with fees, the Unlimited Cash Rewards Card is worth a look. It works especially well for:

• Young adults or students building credit
• Business owners managing everyday expenses
• Consumers wanting long-term cashback value
• Bank of America customers who qualify for Preferred Rewards

FAQs

Does this card have an annual fee?

No. The Bank of America Unlimited Cash Rewards Card has no annual fee.

What credit score do I need to apply?

You’ll likely need a score in the good to excellent range (around 670+).

What is the APR?

0% intro APR for 15 billing cycles, then a variable APR from 18.24% to 28.24%.

Are there foreign transaction fees?

Yes, there is a 3% fee on purchases made outside the U.S.

Why This Card Is a Smart Move

We’ve looked at what the Unlimited Cash Rewards Credit Card offers—and it’s a solid pick for anyone who values simplicity and flexibility.

If you’re tired of juggling rotating categories or dealing with high fees, this card is one of the best flat-rate cashback cards available. Apply online today to take control of your financial rewards with ease.

Also, if you’re exploring additional cashback options, don’t miss our related guide: “How to Apply for BankAmericard Credit Card Easy Steps Tips.”

To explore even more credit card guides, cashback strategies, and offers, visit our homepage at nswShop.com.

Hugo