Bank of America
Bank of America Unlimited Cash Rewards
Annual Fee
$0
Sign-up Bonus
25,000 pts
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Card data last reviewed 2026-10-27
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$360/yr
$360 rewards
#43 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$390/yr
$390 rewards
#47 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$420/yr
$420 rewards
#48 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
1.5x
Grocery
1.5x
Gas
1.5x
Flights
1.5x
Hotels
1.5x
Other Travel
1.5x
Online Shopping
1.5x
Rideshare
1.5x
Streaming
1.5x
Amazon
1.5x
Costco
1.5x
Other
1.5x
Apple
1.5x
Cell Phone
1.5x
Fast Food
1.5x
Home Utilities
1.5x
Internet
1.5x
Walmart
1.5x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
Unlimited 1.5% cash back on all purchases. BofA Rewards (which replaced Preferred Rewards in May 2026) adds 10% (Member, no minimum balance), 25% (Preferred Plus, $30K), 50% (Preferred Honors, $100K) or 75% (Premier, $1M) to card rewards; the columns hold the public 1.5%. Welcome offer: $250 after $1,000 in purchases in 90 days.
Bank of America Unlimited Cash Rewards FAQ
What is the Bank of America Unlimited Cash Rewards annual fee?
The Bank of America Unlimited Cash Rewards has no annual fee.
What is the Bank of America Unlimited Cash Rewards signup bonus?
25,000 dollars for new cardholders meeting the minimum spend. Verified 2026-10-27. Check the issuer's site for the current offer.
What are the best spending categories for the Bank of America Unlimited Cash Rewards?
1.5x on flights, 1.5x on hotels, 1.5x on other travel. Everything else earns 1.5x.
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Sources & Verification
Card data last reviewed 2026-10-27.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.