Best Unlimited Cash Rewards Credit Card
$200 Bonus Cash + Unlimited 1.5% Cash Back on all Purchases
Bank of America Unlimited Cash Rewards credit card offers $200 bonus cash. You only need to spend $1,000 on purchases in the first 90 days to qualify for the $200 bonus. In addition, you can earn unlimited 1.5% cash back on all purchases. If you are a Preferred Rewards member, you earn 25%-75% more cash back on every purchase, which lets you earn up to 2.62% cash back on every purchase. Best of all, this card has no annual fee.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 18.74% - 28.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 15 billing cycles
- Annual Fee
- $0
- Credit Needed
- Excellent / Good
Alternative Cash Rewards Credit Cards
If you are interested in Bank of America Unlimited Cash Rewards credit card, you may also consider a few other credit cards with similar benefits.
| Credit Card | Bonus and Rewards | Annual Fee |
|---|
 | Wells Fargo Active Cash® Card | $200 cash rewards bonus after spending $500 in purchases in the first 3 months.Unlimited 2% cash rewards on purchases. | $0
rates & fees |
 | Citi Double Cash® Card | $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. | $0
rates & fees |
 | Wells Fargo Autograph℠ Card | 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. | $0
rates & fees |
 | Citi Custom Cash® Card | $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. | $0
rates & fees |
 | Chase Freedom Unlimited® | Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. | $0 |
 | Blue Cash Everyday® Card from American Express | $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. | $0
rates & fees |
 | Blue Cash Preferred® Card from American Express | $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).6% Cash Back on select U.S. streaming subscriptions.3% Cash Back at U.S. gas stations.3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).1% Cash Back on other purchases. | $0 intro annual fee for the first year, then $95.
rates & fees |
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