{"id":21931,"date":"2025-10-22T17:22:15","date_gmt":"2025-10-22T17:22:15","guid":{"rendered":"https:\/\/incredipros.com\/?p=21931"},"modified":"2025-10-22T17:22:16","modified_gmt":"2025-10-22T17:22:16","slug":"bank-of-america-unlimited-cash-rewards-benefits-guide","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=21931","title":{"rendered":"Bank of America Unlimited Cash Rewards Benefits Guide"},"content":{"rendered":"<div>\n<div id=\"block_0aab58c44c90aec319558349ea6bbc88\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The Bank of America\u00ae Unlimited Cash Rewards credit card offers a flat 1.5 percent cash back on all purchases. (Earn an elevated 2 percent cash back on all purchases for the first year from account opening.)&#13;<br \/>\n&#13;<br \/>\n&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Bank of America Preferred Rewards members stand to get the most out of this card since they\u2019ll get a 25 percent to 75 percent boosted rewards rate on all purchases.&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            This card also comes with intro APR offers, a welcome offer, no annual fee and Visa Signature perks.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>If you\u2019re looking for a low-maintenance, <u>flat-rate cash back credit card<\/u>, there\u2019s no doubt that the <u><span data-capi-name=\"7880\">Bank of America\u00ae Unlimited Cash Rewards credit card<\/span><\/u> has come up on your radar. Whether you\u2019re a newbie to credit card rewards or just prefer the simplicity of a rewards card with a flat rate, there could be some benefits to going with the Unlimited Cash Rewards card.<\/p>\n<p>This guide will break down the Unlimited Cash Rewards card\u2019s benefits and who might get the most out of it. Though the card is easy to use, its cash back rate is on the lower end. Nevertheless, members of the Bank of America Preferred Rewards program stand to earn the most with this card. Here\u2019s what else you need to know if you plan on applying for the Unlimited Cash Rewards card.<\/p>\n<h2 id=\"earning\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bank of America Unlimited Cash Rewards earning benefits\" data-outcome=\"\">Bank of America Unlimited Cash Rewards earning benefits<\/h2>\n<h3>Flat rewards rate<\/h3>\n<p>Let\u2019s start with the obvious: While this card does offer an elevated 2 percent cash back on all purchases during your first year from account opening, the ongoing offer of 1.5 percent cash back on all your purchases is still a rather low rewards rate, especially since many flat-rate cards are now <u>offering 2 percent cash back<\/u> ongoing. Despite the lower earnings rate, there are some who stand to gain from this card anyway \u2014 provided they have a banking relationship with Bank of America.<\/p>\n<h3>Straightforward redemption options<\/h3>\n<p>No matter how much you earn with this card, your redemption options for the cash back you earn are pretty straightforward:<\/p>\n<ul class=\"wp-block-list\">\n<li>A direct deposit to an eligible Bank of America checking or savings account<\/li>\n<li>A credit to an eligible Merrill account, including 529 accounts<\/li>\n<li>A <u>statement credit<\/u> to your card<\/li>\n<li>Pay for purchases at Amazon.com or when checking out with PayPal<\/li>\n<li>Option for automatic deposits to your eligible Merrill accounts or Bank of America checking or savings accounts<\/li>\n<\/ul>\n<h3>Welcome offer<\/h3>\n<p>This card also starts you off with a solid welcome offer. You can earn a $200 online cash rewards bonus after spending $1,000 in purchases within the first 90 days of opening your account. This breaks down to about $334 in spending per month, which is a <u>reasonable requirement<\/u> that most people won\u2019t have trouble meeting.<\/p>\n<h3>Boosted rewards for the Bank of America Preferred Rewards program<\/h3>\n<p>If you\u2019re a member of the <u>Bank of America Preferred Rewards program<\/u>, you\u2019ll get a boosted cash back rate of up to 2.62 percent back \u2014 depending on your checking, savings and investment account balances under your Bank of America or Merrill accounts.<\/p>\n<p>By keeping a certain minimum three-month average balance across your Bank of America accounts, you could qualify for one of four status levels that give you access to a number of banking benefits, including a 25 percent to 75 percent rewards rate bonus on the Bank of America Unlimited Cash Rewards card:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table wrapped\">\n<tbody>\n<tr>\n<td><strong>Tier<\/strong><\/td>\n<td><strong>Balance required<\/strong><\/td>\n<td><strong>Rewards boost<\/strong><\/td>\n<td><strong>Unlimited Cash Rewards rate<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Gold<\/td>\n<td>$20,000 &lt; $50,000<\/td>\n<td>25%<\/td>\n<td>1.87%<\/td>\n<\/tr>\n<tr>\n<td>Platinum<\/td>\n<td>$50,000 &lt; $100,000<\/td>\n<td>50%<\/td>\n<td>2.25%<\/td>\n<\/tr>\n<tr>\n<td>Platinum Honors<\/td>\n<td>$100,000 &lt; $1 million<\/td>\n<td>75%<\/td>\n<td>2.62%<\/td>\n<\/tr>\n<tr>\n<td>Diamond Honors<\/td>\n<td>$1 million &lt; $10 million<\/td>\n<td>75%<\/td>\n<td>2.62%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>When it comes to <u>rewards cards<\/u>, qualifying for the Platinum Honors tier allows you to earn the maximum cash back rate of 2.62 percent with the Bank of America Unlimited Cash Rewards card. At that rate, you\u2019ll be earning more per dollar than the best flat-rate credit cards on the market, which typically earn 2 percent back on all purchases. So, while difficult to achieve, maintaining a very high balance in a qualifying account means you stand to earn quite a bit more.<\/p>\n<h2 id=\"intro\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bank of America Unlimited Cash Rewards intro APR benefits\" data-outcome=\"\">Bank of America Unlimited Cash Rewards intro APR benefits<\/h2>\n<h3>Introductory APR on purchases and balance transfers<\/h3>\n<p>Then, there\u2019s the <u>0% introductory APR<\/u> for both purchases and balance transfers \u2014 you\u2019ll get a 0% intro APR for 15 billing cycles on purchases and for any balance transfers made in the first 60 days of account opening. After the intro APR offer ends, 17.99% \u2013 27.99% Variable APR on purchases and balance transfers.<\/p>\n<p>This makes the card ideal for a larger purchase that you can pay off over time without paying interest. Also, if you\u2019ve got any high-interest debt you are looking to pay down, the balance transfer offer could be a great help.<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Star Icon<\/title>\n<path d=\"M8.244 24a1.92 1.92 0 0 1-1.19-.415 2.122 2.122 0 0 1-.778-2.042l.762-4.63a.706.706 0 0 0-.196-.622L3.61 13.01a2.15 2.15 0 0 1-.517-2.137c.238-.77.853-1.324 1.624-1.436l4.469-.675a.683.683 0 0 0 .516-.39l2.001-4.214C12.05 3.441 12.73 3 13.5 3c.77 0 1.451.45 1.796 1.16l2 4.213a.697.697 0 0 0 .517.39l4.47.675c.762.112 1.385.666 1.623 1.436a2.15 2.15 0 0 1-.517 2.137l-3.23 3.28a.73.73 0 0 0-.197.622l.762 4.63a2.127 2.127 0 0 1-.787 2.042 1.91 1.91 0 0 1-2.116.173l-3.993-2.19a.664.664 0 0 0-.648 0l-3.993 2.19A1.903 1.903 0 0 1 8.26 24h-.016Z\" fill=\"transparent\" class=\"icon-offset\"\/><path d=\"M6.494 23c-.439 0-.877-.145-1.246-.435a2.223 2.223 0 0 1-.816-2.14l.799-4.849a.74.74 0 0 0-.206-.653L1.64 11.488a2.253 2.253 0 0 1-.541-2.24c.249-.806.893-1.386 1.7-1.504l4.682-.707a.716.716 0 0 0 .542-.408l2.096-4.414C10.479 1.462 11.193 1 12 1c.807 0 1.52.471 1.881 1.215l2.096 4.414a.73.73 0 0 0 .542.408l4.681.707c.8.118 1.452.698 1.701 1.505.24.798.035 1.659-.54 2.239l-3.386 3.435a.764.764 0 0 0-.206.653l.8 4.85c.137.825-.181 1.64-.825 2.139a2.001 2.001 0 0 1-2.217.181l-4.183-2.293a.696.696 0 0 0-.679 0l-4.184 2.293c-.309.172-.644.254-.97.254h-.017ZM11.99 2.46a.713.713 0 0 0-.652.416L9.242 7.291c-.309.643-.893 1.097-1.58 1.196l-4.682.707a.717.717 0 0 0-.584.517.735.735 0 0 0 .18.752L5.961 13.9c.498.508.721 1.233.61 1.949l-.8 4.85a.735.735 0 0 0 .276.716c.232.181.524.2.773.063l4.184-2.293a2.015 2.015 0 0 1 1.95 0l4.183 2.293a.69.69 0 0 0 .773-.063.753.753 0 0 0 .284-.716l-.8-4.85a2.253 2.253 0 0 1 .61-1.949l3.385-3.435a.732.732 0 0 0 .18-.753.717.717 0 0 0-.583-.517l-4.682-.707c-.679-.1-1.272-.553-1.58-1.196l-2.097-4.415a.705.705 0 0 0-.653-.417h.017Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Keep in mind:<br \/>\n        <\/strong><br \/>\n        You must transfer your balances from other credit cards within 60 days of account opening for the intro APR period to apply. You\u2019ll also need to pay a 3% balance transfer fee on every balance transfer you make for 60 days from account opening, then 4%.\n    <\/p>\n<\/div>\n<h2 id=\"additional\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bank of America Unlimited Cash Rewards additional benefits\" data-outcome=\"\">Bank of America Unlimited Cash Rewards additional benefits<\/h2>\n<h3>Visa Signature perks<\/h3>\n<p>The Unlimited Cash Rewards card is a Visa Signature card, which means it comes with a few other perks as a result. As a Visa Signature cardholder, you\u2019ll typically get benefits such as <u>extended warranty coverage<\/u>, 24\/7 roadside dispatch, travel and emergency assistance services and ID Navigator <u>credit monitoring<\/u> via NortonLifeLock.<\/p>\n<p>The total list of <u>Visa Signature benefits<\/u> includes special privileges and discounts with a variety of select merchants, but it\u2019s best to contact Bank of America to confirm which benefits your card is eligible for.<\/p>\n<h3>BankAmeriDeals and Museums on Us<\/h3>\n<p>These two benefits come with all <u>Bank of America credit cards<\/u> and are exclusive to Bank of America. <u>BankAmeriDeals<\/u> is the issuer\u2019s limited-time offer program, similar to Amex Offers or Chase Offers. It lets you activate promotional offers in your account to get an extra percentage of cash back at participating merchants (including select retailers, restaurants and more).<\/p>\n<p>Museums on Us, also available to Bank of America debit card holders, gives you free access to over <u>225 \u201ccultural institutions\u201d<\/u> across the country. Simply present your Bank of America card and a valid photo ID during the first weekend of every month to unlock this benefit. (Additional terms may apply.)<\/p>\n<h2 id=\"maximize\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Maximizing the Bank of America Unlimited Cash Rewards card\" data-outcome=\"\">Maximizing the Bank of America Unlimited Cash Rewards card<\/h2>\n<p>Because the Unlimited Cash Rewards card is a flat-rate cash back card, there are no fixed or <u>rotating bonus categories<\/u> to keep up with. Keep in mind that you\u2019ll get the best cash back rate as a Preferred Rewards member. If you aren\u2019t eligible for that program, there\u2019s not much else you can do but swipe and enjoy the convenience of earning hassle-free cash back.<\/p>\n<p>You could also <u>pair your card<\/u> with another cash back card that earns more in categories you spend a lot on. You could stay in the Bank of America family of cards and apply for the <u><span data-capi-name=\"22069416\">Bank of America\u00ae Customized Cash Rewards credit card<\/span><\/u>, which offers a higher rate of cash back in more common spending categories like dining and grocery stores. With this card, you\u2019ll earn earn 6 percent cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You\u2019ll automatically earn 2 percent cash back at grocery stores and wholesale clubs, and unlimited 1 percent cash back on all other purchases. After the first year from account opening, you\u2019ll earn 3 percent cash back on purchases in your choice category. However, the 3 percent (and 6 percent for the first year) and 2 percent categories are capped at $2,500 in combined spending each quarter, after which you\u2019ll earn 1 percent back.<\/p>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>The Bank of America Unlimited Cash Rewards doesn\u2019t offer the best flat rate currently available for cash back credit cards. However, for the right person (namely, Preferred Rewards members), it can be a convenient way to earn credit card rewards. For heightened rewards, either add another higher-earning card to your wallet or aim to move up to the Preferred Rewards tiers.<\/p>\n<p><i>The information about the Bank of America\u00ae Unlimited Cash Rewards credit card and Bank of America\u00ae Customized Cash Rewards credit card was last updated on October 22, 2025<\/i>.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 max-w-108 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"OYuqZHG24c\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/credit-cards\/reviews\/bank-of-america-unlimited-cash-rewards-benefits-guide\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways The Bank of America\u00ae Unlimited Cash Rewards credit card offers a flat 1.5 percent cash back on all purchases. (Earn an elevated 2 percent cash back on all purchases for the first year from account opening.)&#13; &#13; &#13; Bank of America Preferred Rewards members stand to get the most out of this card<\/p>\n","protected":false},"author":1,"featured_media":21932,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-21931","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank of America Unlimited Cash Rewards Benefits Guide | IncrediPros<\/title>\n<meta name=\"description\" content=\"Key takeaways The Bank of America\u00ae Unlimited Cash Rewards credit card offers a flat 1.5 percent cash back on all purchases. 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