Bank of America · Visa/Mastercard
Bank of America Unlimited Cash Rewards
No annual fee · 1.5% on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1.5% | uncapped |
Non-cash perks
- Cash rewards don't expire while account is open
- Redeemable any amount, any time, as statement credit or deposit to a BofA/Merrill account
- Preferred Rewards bonus eligible
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.bankofamerica.com · www.bankofamerica.com · newsroom.bankofamerica.com. Spot an error? Tell us.