About Bank of America® Unlimited Cash Rewards credit card
The Bank of America Unlimited Cash Rewards credit card is a rewards credit card that offers cash back on purchases. Here is some information about the card:
Rewards:
- Earn 1.5% cash back on all purchases with no limit to the amount of cash back you can earn.
- Rewards don’t expire as long as the account remains open and in good standing.
Introductory offers:
- 0% APR for the first 15 billing cycles on purchases and balance transfers made within the first 60 days of account opening.
- No balance transfer fee for the first 60 days of account opening (after that, a fee of 3% of the transferred amount or $10, whichever is greater, applies).
Fees:
- No annual fee.
- No foreign transaction fees.
- Late payment fee up to $40.
Additional perks:
- Free access to your FICO credit score.
- Contactless payment capability.
- Fraud protection.
Eligibility:
- Must be 18 years or older to apply.
- Must have a valid Social Security number.
- Must have a valid U.S. mailing address.
Overall, the Bank of America Unlimited Cash Rewards credit card is a good option for those looking for a simple and straightforward rewards credit card with no annual fee. The 1.5% cash back on all purchases is competitive with other cash back credit cards on the market. The introductory offers for 0% APR on purchases and balance transfers with no balance transfer fee make this card even more attractive for those looking to make a large purchase or transfer a balance from another credit card.
Why choose Bank of America® Unlimited Cash Rewards credit card
Looking for a rewards credit card that offers cash back on all of your purchases, with no annual fee? Look no further than the Bank of America Unlimited Cash Rewards credit card!
With this card, you’ll earn 1.5% cash back on all of your purchases, with no limit to the amount of cash back you can earn. Plus, there’s no annual fee, making it a great option for those looking for a simple and straightforward rewards credit card.
But that’s not all – the Bank of America Unlimited Cash Rewards credit card also offers 0% APR on purchases and balance transfers for the first 15 billing cycles, and there’s no balance transfer fee for the first 60 days of account opening. That means you can make a large purchase or transfer a balance from another credit card, and enjoy interest-free payments for over a year.
And with additional perks like free access to your FICO credit score, contactless payment capability, and fraud protection, the Bank of America Unlimited Cash Rewards credit card is a top choice for those looking for a rewards credit card that offers simplicity, flexibility, and value.
So why choose the Bank of America Unlimited Cash Rewards credit card? With its competitive cash back rewards, introductory offers, and no annual fee, it’s a great choice for anyone looking to earn rewards on their everyday purchases, without having to worry about complicated redemption options or hidden fees. Apply now and start earning cash back on all of your purchases today!
How to apply for Bank of America® Unlimited Cash Rewards credit card
You can apply for the Bank of America Unlimited Cash Rewards credit card online through the Bank of America website. Here are the steps to apply:
- Go to the Bank of America website and navigate to the Unlimited Cash Rewards credit card page.
- Click on the “Apply Now” button.
- Fill out the application form with your personal information, employment information, and financial information.
- Read the terms and conditions, and agree to them.
- Submit your application.
After submitting your application, Bank of America will review your information to determine your eligibility for the credit card. If you are approved, you will receive your credit card in the mail within 7-10 business days.
Alternatively, you can also apply for the Bank of America Unlimited Cash Rewards credit card by phone or by visiting a Bank of America branch location.
What are my approval odds for Bank of America® Unlimited Cash Rewards credit card
Approval odds for the Bank of America Unlimited Cash Rewards credit card depend on a variety of factors, including your credit history, income, and debt-to-income ratio. In general, the Bank of America Unlimited Cash Rewards credit card is geared towards those with good to excellent credit scores (generally considered to be 670 or above), and those who have a steady income and manageable debt.
If you have a good credit history, a stable income, and a manageable debt-to-income ratio, your approval odds for the Bank of America Unlimited Cash Rewards credit card may be higher. However, it’s important to note that approval is not guaranteed, as each applicant is evaluated on a case-by-case basis.
Additionally, Bank of America may consider other factors beyond just credit history and income, such as the number of credit cards you currently have open and your payment history. Ultimately, the best way to determine your approval odds is to apply and await a decision from Bank of America.
FAQs about Bank of America® Unlimited Cash Rewards credit card
- What is the Bank of America Unlimited Cash Rewards credit card?
The Bank of America Unlimited Cash Rewards credit card is a cashback rewards credit card that allows you to earn unlimited 1.5% cash back on every purchase you make with the card.
- What are the benefits of the Bank of America Unlimited Cash Rewards credit card?
Some of the benefits of the Bank of America Unlimited Cash Rewards credit card include unlimited 1.5% cash back on every purchase, no annual fee, and a 0% introductory APR for the first 15 billing cycles on purchases and balance transfers made within the first 60 days.
- Is there a sign-up bonus for the Bank of America Unlimited Cash Rewards credit card?
Yes, there is a sign-up bonus for the Bank of America Unlimited Cash Rewards credit card. You can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Are there any foreign transaction fees for the Bank of America Unlimited Cash Rewards credit card?
No, there are no foreign transaction fees for the Bank of America Unlimited Cash Rewards credit card, which makes it a good card for traveling abroad.
- What credit score is needed for the Bank of America Unlimited Cash Rewards credit card?
The Bank of America Unlimited Cash Rewards credit card is geared towards those with good to excellent credit scores (generally considered to be 670 or above), although approval is not guaranteed as each applicant is evaluated on a case-by-case basis.
- Does the Bank of America Unlimited Cash Rewards credit card have an annual fee?
No, there is no annual fee for the Bank of America Unlimited Cash Rewards credit card.
- How can I redeem my cash back rewards from the Bank of America Unlimited Cash Rewards credit card?
You can redeem your cash back rewards from the Bank of America Unlimited Cash Rewards credit card in a variety of ways, including as a statement credit, a deposit into your Bank of America checking or savings account, or as a contribution to an eligible 529 college savings account or Merrill Lynch Cash Management Account.
