How to Apply for Bank of America Unlimited Cash Rewards Credit Card

Unlock endless 1.5% cash back on all purchases with the Bank of America Unlimited Cash Rewards Credit Card. Enjoy 0% APR for 18 months and no annual fee. Boost rewards by up to 75% for Bank of America clients. Maximize value by using this card for everyday spending.

Por: Linda Carter em 2 de October de 2025

Effortless Spending Made Rewarding

Unlock the potential of effortless spending with the Bank of America Unlimited Cash Rewards Credit Card. This remarkable card is crafted to enhance your purchasing power by providing cash rewards each time you spend. With a straightforward rate of 1.5% cash back on every purchase, there’s no need to worry about tracking categories or hitting limits. Whether purchasing groceries, clothing, electronics, or even paying for monthly subscriptions, every dollar spent turns into rewards that you can use as you see fit.

No Annual Fees Means More Savings

Budget-conscious consumers will appreciate that this card comes with no annual fees. This means that you’ll benefit from all these rewards without having to pay a yearly charge just to keep the card active. This feature makes it an excellent choice for maintaining a healthy financial balance as you won’t face extra costs that could offset your rewards.

Online Bonus and Additional Benefits

For new cardholders, the perks don’t stop at everyday spending. Upon making your first purchase, you’re eligible for a lucrative online bonus offer. This incentive adds value right from the start, making the card a smart financial tool for anyone looking to maximize rewards quickly.

Whether you’re planning for a big purchase or managing routine expenses, this card simplifies it all. With ease and efficiency in place, it’s ideal for those who prefer a no-fuss, straightforward approach to earning rewards.

Unlock the Benefits of the Bank of America Unlimited Cash Rewards Credit Card

Unlimited Cash Back on Every Purchase

One of the most attractive features of the Bank of America Unlimited Cash Rewards Credit Card is the ability to earn 1.5% unlimited cash back on every purchase. Whether you’re shopping for groceries, filling up at the gas station, or treating yourself to a nice dinner, you’re rewarded for every dollar you spend.

Tip: Use your credit card for your daily purchases to maximize your cash back earnings. Remember to pay off your balance in full each month to avoid interest charges, allowing you to fully enjoy the benefits of the cash back.

0% Introductory APR Offer

This card offers a 0% Introductory APR on purchases for the first 18 billing cycles, as well as qualifying balance transfers made within 60 days of account opening. This can be beneficial if you’re planning to make a large purchase or need to transfer existing credit card debt.

Tip: Plan large expenses strategically to take full advantage of the 0% APR period, ensuring you have a plan to pay off the balance before the introductory period ends.

No Annual Fee

The Bank of America Unlimited Cash Rewards Credit Card comes without an annual fee, allowing you to enjoy its benefits without the pressure of an extra yearly cost. This makes it an excellent choice for those who want to keep costs down.

Tip: Pair this with the cash back rewards, and you have a cost-effective credit card solution that enhances your spending power without the need to offset a fee.

Enhanced Rewards for Bank of America and Merrill Clients

If you’re already a Bank of America Preferred Rewards member, you can earn an additional 25% to 75% rewards bonus on all purchases. This significantly boosts your rewards potential.

Tip: Consider consolidating your financial accounts with Bank of America or Merrill to qualify for the Preferred Rewards program, unlocking additional cash back opportunities.

The Bank of America Unlimited Cash Rewards Credit Card offers numerous advantages that cater to a wide range of financial needs. Below is a table outlining two significant categories related to its benefits:

Category	Details
Cash Back Rewards	Earn 1.5% unlimited cash back on every purchase, ideal for everyday spending.
Introductory Offer	Get a bonus cash rewards offer after making a specified amount in purchases within the first 90 days.

With the Bank of America Unlimited Cash Rewards Credit Card, cardholders can maximize their rewards with ease, making it an attractive option for those who value straightforward benefits without complicating their finances. The combination of cashback on all purchases and an enticing bonus offer at the start can significantly enhance one’s financial experience. Moreover, being part of the Bank of America network allows for additional perks such as easy management through their online banking platform and various banking services to accompany your credit card usage.

Requirements for the Bank of America Unlimited Cash Rewards Credit Card

Credit Score: To apply for the Bank of America Unlimited Cash Rewards Credit Card, you typically need a good to excellent credit score. This usually means a FICO score of 700 or above. Having a higher credit score can improve your chances of approval and might even influence the interest rates you receive.
Minimum Age: Applicants must be at least 18 years old. However, if you’re under 21, you’ll need to show proof of independent income or have a co-signer to secure the credit card.
Income Requirement: While there’s no specific minimum income requirement disclosed, lenders generally expect applicants to demonstrate a stable and sufficient income level to manage credit card payments. Be prepared to share details about your current employment and income.
U.S. Residency: You must be a U.S. resident with a valid Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN) to apply. This helps ensure you’re financially responsible within the U.S. financial system.
Identity Verification: Proper documentation to verify your identity and residence, like a government-issued ID and a recent utility bill or lease agreement, might be requested during the application process.

How to Apply for the Bank of America Unlimited Cash Rewards Credit Card

Step 1: Visit the Bank of America Website

To begin your application for the Bank of America Unlimited Cash Rewards Credit Card, start by visiting the official Bank of America website. You can do this by typing “Bank of America credit cards” into your search engine, or by directly navigating to their website. Once there, look for the credit card section to find the Unlimited Cash Rewards Credit Card option. This website is the primary platform where you will begin your application process.

Step 2: Review the Card Details

Before you proceed, make sure to carefully review the card details. Understand the rewards it offers, such as the unlimited 1.5% cash back on all purchases. Pay attention to additional benefits, fees, and the annual percentage rate (APR). Familiarizing yourself with these details will ensure you make an informed decision that aligns with your financial goals and spending habits.

Step 3: Begin the Application Process

Once you’ve reviewed the information, click on the application button to start your application. You will be prompted to fill in personal information such as your name, address, and social security number. Make sure to have your financial details handy, as you’ll also need to provide information about your income and employment status.

Step 4: Submit Your Application

After completing the application form, take a moment to double-check your entries for accuracy. Errors can delay the process, so it’s essential to ensure everything is correct. Once you’re confident, submit your application. Bank of America will then process your application and check your creditworthiness to determine if you qualify for the card.

Step 5: Await Approval

Following submission, you’ll receive a confirmation from Bank of America. They will inform you of your application status, usually via email. If approved, your new Bank of America Unlimited Cash Rewards Credit Card will be mailed to you within 7-10 business days. Remember to activate your card as soon as you receive it to start enjoying its benefits.

Frequently Asked Questions About the Bank of America Unlimited Cash Rewards Credit Card

What are the main benefits of the Bank of America Unlimited Cash Rewards Credit Card?

The Bank of America Unlimited Cash Rewards Credit Card offers a straightforward earning approach with 1.5% unlimited cash back on all purchases. This means for every dollar you spend, you earn 1.5 cents back, with no limits on how much you can accumulate. Additionally, there are no category restrictions, making it an excellent choice for those who prefer a simple cashback strategy. As a cardholder, you also enjoy benefits like no annual fee, making it cost-effective for long-term usage.

How does the cashback redemption work with this card?

With the Bank of America Unlimited Cash Rewards Credit Card, your cashback can be redeemed in several convenient ways. You can receive a statement credit, a deposit into an eligible Bank of America or Merrill account, or even a check. This flexibility allows you to choose how best to use your rewards based on your financial needs. Importantly, there is no minimum redemption threshold, so you can access your cash back whenever you need it.

Is there an introductory APR offer for this credit card?

Yes, the Bank of America Unlimited Cash Rewards Credit Card often comes with an introductory APR offer on purchases and balance transfers. Generally, this promotion provides a 0% introductory APR for a set period, such as the first 18 billing cycles. After this promotional period ends, a variable APR based on your creditworthiness applies. These introductory offers can provide significant savings on interest, especially if you plan to make a large purchase or transfer a balance from another card.

Are there bonus earning opportunities with this credit card?

Cardholders might have access to promotional offers that provide extra cash back or points, particularly if they are part of the Bank of America Preferred Rewards program. Depending on your tier in the program, you could earn a bonus of 25% to 75% on every purchase, increasing your cash back rate up to 2.625% on each transaction. Such opportunities enhance the earning potential of the card, rewarding loyal Bank of America customers even more.

What credit score is recommended for applying to this card?

To increase your chances of approval for the Bank of America Unlimited Cash Rewards Credit Card, a good to excellent credit score is typically recommended. This often means a FICO score of 670 or higher. Keep in mind that credit card issuers consider multiple factors beyond just the credit score, including your income and overall debt levels. Ensuring a solid financial standing before applying can help you secure this card’s benefits.