Bank of AmericaChecked Oct 4, 2026

Bank of America® Unlimited Cash Rewards Credit Card

$250 cash rewards welcome bonus. No annual fee.

Welcome offer: Issuer's pagebankofamerica.com
“Online $250 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening”
Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Annual fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: Issuer's pagebankofamerica.com
“17.74% - 27.74%”
Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
Worth more to a typical spender than about 85% of the 650 cards we track.
Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

$250 cash

At least $1,000 in purchases

Limited-time online offer; purchases must be made in the first 90 days of account opening.

Rates and fees for the Bank of America® Unlimited Cash Rewards Credit Card, each with its source
Annual fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	Issuer's pagebankofamerica.com “17.74% - 27.74%” Checked Oct 4, 2026Open on bankofamerica.com Report a problem variable
Intro APR	Issuer's pagebankofamerica.com “0% Intro APR Offer” Checked Oct 4, 2026Open on bankofamerica.com Report a problem 15 billing cycles
Balance transfer APR	Issuer's pagebankofamerica.com “0% † Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account.” Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Balance transfer fee	Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

$0 Liability Guarantee for fraudulent transactions
Optional Balance Connect® overdraft protection when an eligible Bank of America® checking account is linked
Paperless statement option
Digital wallet support for Apple Pay®, Google Pay™ and Samsung Pay
Online and Mobile Banking access
Account email or text alerts

Welcome bonus

Only changes that held for at least three days on both sides count; one-day blips in a reading don't.

What is the annual fee?: $0 Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?: Yes: 3%. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?: 17.74–27.74% APR bankofamerica.com, since Oct 4, 2026
Is there an intro APR?: 0% for 15 billing cycles. bankofamerica.com, since Oct 4, 2026
Is there a welcome bonus?: $250 cash back after $1,000 in purchases. bankofamerica.com, since Oct 4, 2026

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).