BoA Unlimited Cash Rewards Card: Earn a US$200 Bonus Plus 1.5% Cashback on Every Purchase

Bank of America, often called BoA, offers the chance to earn Unlimited Cash Rewards with a steady 1.5% cashback on every purchase, no matter the category!

This card boasts a wide range of perks from a leading U.S. financial brand. Getting approved is quick and easy.

Need more details?

Bank of America is a respected name in the U.S., offering diverse financial products such as checking accounts, wealth management, and a variety of credit cards.

Bank of America offers a limited-time deal for new cardholders: earn a $200 bonus after spending $1,000 or more on purchases within the first 90 days of account opening.

The card provides a steady 1.5% cash back on all purchases, with rewards that never expire.

Additionally, members of Bank of America’s Preferred Rewards program can boost their cashback rate, earning between 1.87% and 2.62% back on every purchase.

Redemption is flexible—you can apply rewards as statement credits, transfer them to a Bank of America account, or use them to pay for purchases on Amazon.com or through PayPal.

Beyond rewards, the card includes convenient everyday features like contactless payments via chip technology and a $0 liability policy to protect you from unauthorized charges.

The standard credit limit for a BoA card usually begins at around $1,000, but it has the potential to increase up to $20,000 based on your individual financial situation as assessed by the bank.

The bank is offering a $200 online cash rewards bonus for new BoA account holders who spend a minimum of $1,000 within the first 3 months.

This credit card features no annual fee and offers a 0% introductory APR for the initial 15 months for both purchases and balance transfers. After this timeframe, the standard APR varies between 18.24% and 28.24%, along with a 3% balance transfer fee for the initial 60 days, increasing to 4% thereafter.

In order to be eligible for Bank of America credit cards such as this one, it is suggested to possess a FICO credit score of at least 670, which is considered to be within the good to excellent credit range.

One can apply for the Bank of America credit card by using the company’s online portals.

Additional key benefits include:

  • Balance Connect ensures smooth transactions by providing overdraft protection to prevent declined purchases or returned withdrawals.
  • Manage your account anytime with the Mobile Banking App, including bill payments, transfers, and credit checks.
  • Get timely alerts to keep track of all your card activities.
  • Benefit from free FICO score monitoring.

This credit card offers strong financial management tools, with no annual fee and an introductory APR of 0% for the first 15 months.

All these features are accessible not only via the physical card but also through digital wallets, ideal for users who prefer a more modern, tech-friendly method.

Interested in checking out an alternative option?

If you’re looking for a card with better perks, the Capital One SavorOne might be worth considering as a strong alternative.

This card offers a base 1% cashback and up to 3% in select categories, and you can learn more about how to apply for it here.

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