Apply for Bank of America Unlimited Cash Rewards Credit Card Now

Imagine earning while you spend—everyday purchases transforming into tangible benefits. The Bank of America Unlimited Cash Rewards Credit Card offers just that by providing an attractive way to earn limitless cash back on every transaction. With this card, enjoy a seamless cash back experience with no categories to track or limits to worry about.

Every purchase contributes to your financial well-being, with an appealing 1.5% cash back on all purchases. Want more reasons to smile? New cardholders can take advantage of a generous bonus offer, boosting those initial rewards. Furthermore, with no annual fee, it becomes an efficient tool for savvy spenders eager to optimize their budget without incurring extra costs. The card’s integration with Bank of America accounts even opens up potential for additional bonuses, making it a competent ally for anyone keen to maximize cash back rewards effortlessly.

Benefits of the Bank of America Unlimited Cash Rewards Credit Card

Unlimited Cash Back

The Bank of America Unlimited Cash Rewards Credit Card offers a generous 1.5% cash back on every purchase. This means no matter what you buy, you earn rewards. For example, if you spend $1,000 a month, you’d earn $180 in cash back over a year. This reward rate allows for flexibility and simplicity, as there’s no need to track different categories.

No Annual Fee

This card comes with no annual fee, which is a significant advantage. Without an annual fee, you can keep more cash in your pocket and maximize your savings and rewards. Many cards with similar cash back offers often charge a yearly fee, which can eat into your rewards, but not this one.

Introductory APR Offer

Take advantage of the introductory 0% APR on purchases and qualifying balance transfers for the first 15 billing cycles. This can be particularly beneficial if you plan on a large purchase or need to transfer a balance from a higher-interest card. Remember, after the introductory period, variable APR will apply based on your creditworthiness, so it’s essential to manage your payments wisely during this time.

Preferred Rewards Program

If you’re already a Bank of America customer, or are considering becoming one, enrolling in their Preferred Rewards program can boost your cash back by up to 75%. That 1.5% can go as high as 2.625% depending on your tier in the program. To achieve this, maintain a three-month average balance of at least $20,000 in your Bank of America and Merrill investment accounts. This is an excellent incentive to keep your banking and credit activities under one roof.

SIGN UP TO GET YOUR BANK OF AMERICA UNLIMITED CASH REWARDS CREDIT CARD

The Bank of America Unlimited Cash Rewards Credit Card offers numerous benefits designed to appeal to everyday consumers. One of the key features is its simple cash back rewards structure. As highlighted in the table, cardholders earn 1.5% cash back on every purchase, allowing you to benefit from your spending without any complicated tiers to manage.In addition to the attractive cash back offer, this card stands out as it has no annual fee. This allows users to maximize their rewards without feeling pressured by hidden costs, making it an excellent choice for those who wish to earn while spending responsibly. Whether you’re purchasing groceries, gas, or going out for dinner, the rewards are straightforward and continuously add up in your favor.

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

• Minimum Credit Score: To increase your chances of approval for the Bank of America Unlimited Cash Rewards Credit Card, you typically need a good credit score. This usually means a FICO score of 670 or higher. If you’re unsure of your score, it’s a good idea to check it before applying.
• Proof of Income: While there isn’t a set minimum income requirement, you should provide proof of a steady income. This can include pay stubs, tax returns, or financial statements. A stable income demonstrates your ability to make monthly payments on the card.
• U.S. Residency: Applicants must be U.S. residents. This credit card is tailored for those residing within the United States, and you must provide a valid Social Security number during the application process.
• Age Requirement: To apply for this credit card, you must be at least 18 years old. If you are underage or a student, consider alternative credit card options designed for young or first-time borrowers.

SIGN UP TO GET YOUR BANK OF AMERICA UNLIMITED CASH REWARDS CREDIT CARD

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

Step 1: Visit the Bank of America Website

To start your application for the Bank of America Unlimited Cash Rewards Credit Card, head to the Bank of America’s official website. You can do this by opening your web browser and typing www.bankofamerica.com into the address bar. Once the homepage loads, navigate to the “Credit Cards” section where you will find various options offered by the bank.

Step 2: Choose the Unlimited Cash Rewards Credit Card

Within the “Credit Cards” section, browse through the available credit card options and select the Unlimited Cash Rewards Credit Card. This card offers an attractive cash back program with no annual fee, making it a great choice for everyday purchases. Click on the card to view more details about the rewards, terms, and application process.

Step 3: Begin the Application Process

After deciding that the Unlimited Cash Rewards Credit Card suits your needs, click on the “Apply Now” button to start your application. You will be directed to a secure application form where you will need to provide personal information. This includes your name, address, Social Security number, employment details, and financial information. Be sure to fill out every section accurately to avoid delays in the processing of your application.

Step 4: Review and Submit Your Application

Once all the required information has been entered, take a few minutes to review your application for any errors. After confirming that everything is correct, click on the “Submit” button. Your application will be sent to Bank of America for assessment.

Step 5: Wait for Approval

Upon submission, Bank of America will review your application, which can take a few days. During this time, they may contact you for additional information. If approved, you will receive your new credit card in the mail, along with instructions on how to activate and use it. If there are any issues, you will be notified with further steps.

SIGN UP TO GET YOUR BANK OF AMERICA UNLIMITED CASH REWARDS CREDIT CARD

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 range of benefits designed to make your spending more rewarding. One of the key features is the unlimited 1.5% cash back on all purchases, allowing you to earn money back on everything you buy. Additionally, it comes with no annual fee, making it a cost-effective choice for those looking to maximize their savings. Cardholders also enjoy introductory offers such as a 0% APR for the first 15 billing cycles on purchases and balance transfers made within the first 60 days, which can be particularly advantageous for managing big expenses or consolidating debt.

Are there any foreign transaction fees with this credit card?

Yes, the Bank of America Unlimited Cash Rewards Credit Card does charge a foreign transaction fee. This fee is typically 3% of the U.S. dollar amount of each transaction made abroad. If you frequently travel internationally, it might be worth considering a credit card that offers no foreign transaction fees to reduce the cost of using your card overseas.

How can I redeem the cash rewards earned with this credit card?

Redeeming your cash rewards is easy and flexible with the Bank of America Unlimited Cash Rewards Credit Card. You can redeem your rewards as a direct deposit into a Bank of America checking or savings account, a statement credit, or for purchases at the Bank of America Travel Center. There’s no minimum redemption amount, and you can choose how you want to use your rewards based on your financial needs.

What credit score is needed to qualify for this credit card?

To increase your chances of being approved for the Bank of America Unlimited Cash Rewards Credit Card, it’s generally recommended to have a good to excellent credit score, which usually means a score of 670 or higher. However, keep in mind that other factors, such as your income and existing debt, will also be considered during the application process.

Does this credit card offer any introductory bonuses?

Yes, the Bank of America Unlimited Cash Rewards Credit Card often includes an attractive signup bonus for new cardholders. For example, you might earn a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. This bonus can provide a nice initial boost to your rewards earnings.

Linda Carter

Linda Carter is a writer and financial expert specializing in personal finance and financial planning. With extensive experience helping individuals achieve financial stability and make informed decisions, Linda shares her knowledge on the our platform. Her goal is to empower readers with practical advice and strategies for financial success.