Bank of America® Unlimited Cash Rewards
Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Bank of America® Unlimited Cash Rewards from Bank of America earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
What does the Bank of America Unlimited Cash Rewards earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bank of America Unlimited Cash Rewards compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bank of America Unlimited Cash Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Bank of America Unlimited Cash Rewards?
The Bank of America Unlimited Cash Rewards fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Bank of America Unlimited Cash Rewards fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
What is the Bank of America Unlimited Cash Rewards welcome bonus?
In Madeen's catalog snapshot, the Bank of America Unlimited Cash Rewards welcome offer is Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $200
- Terms (catalog snapshot)
- Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
- Minimum spend
- $1,000
- Window
- 90Days
Does the Bank of America Unlimited Cash Rewards have an annual fee?
The Bank of America Unlimited Cash Rewards has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Bank of America Unlimited Cash Rewards?
The Bank of America Unlimited Cash Rewards includes Booking.com, Dovly Uplift™, Earn more cash back in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Common questions about the Bank of America Unlimited Cash Rewards
What credit score do I need for a Bank of America unlimited cash rewards credit card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Bank of America Unlimited Cash Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Bank of America Unlimited Cash Rewards have an annual fee?
The Bank of America Unlimited Cash Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Bank of America Unlimited Cash Rewards?
Dining is the strongest Madeen category for the Bank of America Unlimited Cash Rewards at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Bank of America Unlimited Cash Rewards charge foreign transaction fees?
The Bank of America Unlimited Cash Rewards charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Bank of America Unlimited Cash Rewards welcome bonus?
The Bank of America Unlimited Cash Rewards welcome offer in our snapshot: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Bank of America Unlimited Cash Rewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the Bank of America Unlimited Cash Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Bank of America Unlimited Cash Rewards compare to similar cards?
Compare the Bank of America Unlimited Cash Rewards against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bank of America Unlimited Cash Rewards This card | Dining | 1.5% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
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Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure