Bank of America Unlimited Cash Rewards Card

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Card Details and Application Link
Bank of America Unlimited Cash Rewards

Card Type: Visa Signature


Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

See also: Bank of America cards: awesome if you've got $100K lying around


The Bank of America Unlimited Cash Rewards Card offers 1.5% cash back everywhere.

This card does have a big advantage over other no-fee cards: you can get up to a 75% bonus through your banking relationship with Bank of America and/or Merrill Edge. This makes it possible to earn up to 2.625% back on all spend. That's phenomenal! For additional details, see: Bank of America cards: awesome if you’ve got $100K lying around.

If you can afford to keep a large balance with Bank of America or Merrill Edge investments, this is a fantastic choice since it is possible to get 2.625% in rewards for all spend.

Application Tips

Bank of America Application Tips

  • 3/12 or 7/12 Rule: You won't be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts.
  • 2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months.
  • 5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open
  • Get Same Card Again: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card.
  • Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.

Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);

Related Cards (BOA cash back cards)

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Royal Caribbean® Visa Signature® Credit Card
10K points + $100 statement credit + $50 Air2Sea program discount
10K points after 1st purchase in 90 days + $100 statement credit after $1K spend in 90 days + $50 airfare discount after $3.5K total in first 90 days (excludes students)

No Annual Fee