BofA
Bank of America Unlimited Cash Rewards
Annual Fee
$0
Sign-up Bonus
20,000 pts
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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. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$360/yr
$360 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$390/yr
$390 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$420/yr
$420 rewards
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. Preferred Rewards customers can earn 25-75% more.
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?
20,000 dollars for new cardholders meeting the minimum spend. 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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