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BoA Unlimited Cash Rewards Card: Earn a $200 Bonus Plus 1.5% Cashback on Every Purchase

Bank of America, commonly known as BoA, offers the chance to earn Unlimited Cash Rewards with a steady 1.5% cashback on every purchase, without limiting you to specific categories!

This card delivers a broad range of perks and represents a leading American financial brand. Signing up for it is quick and easy.

Need more details about this card?

Bank of America is a respected name in the U.S. market, offering a wide range of financial products including checking accounts, wealth management, and a variety of credit cards.

Bank of America’s credit card features an exclusive offer for new cardholders: earn a $200 bonus after spending $1,000 or more on purchases within the first 90 days of account opening.

Regarding rewards, this card consistently delivers 1.5% cashback on all purchases, and the cashback never expires.

Moreover, members of Bank of America’s Preferred Rewards program can boost their cashback rates, ranging from 1.87% up to 2.62% on every transaction.

There are multiple ways to redeem your rewards, such as applying them as a statement credit, transferring cash back to a Bank of America account, or using it to pay for purchases on Amazon.com or PayPal.

Beyond earning rewards, this card offers excellent everyday features, including contactless payments via chip technology and a zero-liability policy that protects you from any fraudulent charges.

The standard credit limit for a BoA card usually begins at around $1,000, but it has the potential to increase up to $20,000 based on your individual financial situation as assessed by the bank.

The bank is offering a $200 online cash rewards bonus for new BoA account holders who spend a minimum of $1,000 within the first 3 months.

This credit card features no annual fee and offers a 0% introductory APR for the initial 15 months for both purchases and balance transfers. After this timeframe, the standard APR varies between 18.24% and 28.24%, along with a 3% balance transfer fee for the initial 60 days, increasing to 4% thereafter.

In order to be eligible for Bank of America credit cards such as this one, it is suggested to possess a FICO credit score of at least 670, which is considered to be within the good to excellent credit range.

One can apply for the Bank of America credit card by using the company’s online portals.

Additional key benefits include:

  • Balance Connect helps prevent declined transactions by providing overdraft protection.
  • Use the Mobile Banking App anytime to manage payments, transfers, or check credit status.
  • Get real-time alerts to keep track of all your card activity.
  • Enjoy free FICO score monitoring with your account.

Therefore, this credit card offers strong financial management tools along with no annual fees and an introductory APR of 0% for the first 15 months.

Everything mentioned can be managed using the physical card, but there are also digital wallet options for those who prefer a more modern, tech-forward method.

Interested in checking out an alternative option?

If you want a card with better benefits, the Capital One SavorOne card could be a great alternative to consider.

This card offers base rewards of 1%, with up to 3% back in select categories, and you can learn how to apply for it here.

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