Rated 4.5/5.0 stars by our editorial team
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4.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!
Bank of America® Unlimited Cash Rewards credit card
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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- Regular APR 17.49% - 27.49% Variable APR
- Intro Purchase APR 0% Intro APR for 15 billing cycles for purchases
- Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Regular APR 17.49% - 27.49% Variable APR
- Intro Purchase APR 0% Intro APR for 15 billing cycles for purchases
- Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- Limited Time Offer! $250 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.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Card Fees
Foreign Transaction Fee
3%
Balance Transfer Fee
3% for 60 days from account opening, then 5%
Penalty APR
up to 29.99% APR
Ongoing Information
Rewards Rate
1.5% cash back on all purchases.
Annual Fee
$0
Expert Reviews
From the CompareCards.com Editorial Team, updated on Aug 03, 2026
This is a great card for anyone who wants to earn cash back without having to track categories or game a complicated rewards system. Cardholders get 1.5% cash back on all purchases. Plus, the welcome offer is pretty easy to achieve.
Expert Reviews of Bank of America® Unlimited Cash Rewards credit card
The Bottom Line
This card makes it easy to earn cash back without having to change or track your spending habits, which we think is pretty valuable.
The Good
The simplicity of the rewards rate is the real selling point for this card. You earn points every time you tap, swipe or insert your card, and the sky is the limit when it comes to racking up rewards.
The Not so Good
The sign-up bonus for this card isn’t anything to write home about.
Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of America.
Consumer Reviews
OFFER RATING
/5.0
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The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best welcome offers on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.
Our Take
The Good
There is no limit to the amount of cash back you can earn with the Cashback Match offer, so you could earn a huge welcome offer in your first year.
The Not So Good
If you don't want to have to think about the rotating bonus categories, this might not be the best card for you.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% - 26.74% Standard Variable Purchase APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
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Our pick for rewards that never expire
33,526 users have viewed this card in the last 30 days.
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Annual Fee$0
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Welcome OfferCashback Match
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Rewards Rate1% - 2% cash back
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Credit Needed
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The Discover it® Chrome credit card has an excellent rewards program, a nice intro APR and very few fees. If you’re trying to earn extra rewards for restaurant and gas purchases, this card is a great choice!
Our Take
The Good
Cardholders won’t have to pay an annual fee and will earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. Cash back doesn't expire and can be redeemed for any amount.
The Not So Good
The top rewards categories cap out at $1,000 in combined purchases per quarter.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases
- Redeem cash back for any amount
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Our pick for doubling your cash back
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Welcome Offer$200 cash back
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Rewards Rate2% - 5% cash back
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Credit Needed
Bottom Line
The Citi Double Cash® Card is great for those wanting to earn cash back on all purchases without having to worry about rotating categories and for those who carry a balance.
Our Take
The Good
To start, Earn 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. This card is also great for those wanting to pay no interest on balance transfers for 18 months.
The Not So Good
While the lengthy 0% intro APR period for balance transfers is appealing, there’s no intro APR period for purchases, which many other cards in this category offer.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Earn $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.
- Earn 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Rates & Fees
See Additional Details for Citi Double Cash® Card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
