Bank of America
Bank of America Unlimited Cash Rewards
No annual fee
A no-annual-fee cash back card that earns 2% on all purchases in the first year, then 1.5% ongoing. Best for anyone who wants simple, flat-rate cash back — especially existing Bank of America customers who can boost earnings through Preferred Rewards.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 2x |
Bonus category rates for this card are still being added.
Benefits
Welcome Bonus
- Online Cash Rewards Welcome Bonus$200
Spend $1,000 on purchases within the first 90 days of opening your account and you'll receive a $200 cash rewards bonus. Only spending within that 90-day window counts toward the requirement.
Bonus Earnings
- Cash Back on All Purchases – First Year2% / yr
During your first year as a cardholder, every purchase earns 2% cash back with no category restrictions and no earning cap. After the first year, the rate automatically drops to the standard 1.5%.
Resets: Yearly - Cash Back on All Purchases – Ongoing1.5% / yr
After your first year, you earn a flat 1.5% cash back on all purchases with no spending cap and no rotating categories to manage. Every transaction earns the same rate regardless of where or what you buy.
Resets: Yearly
Purchase Protection
- Extended Warranty
When you pay for eligible items with this card, the manufacturer's warranty is automatically extended beyond its original term. Review your Guide to Benefits for details on coverage length and any exclusions.
Resets: Yearly - Roadside Dispatch
Roadside Dispatch gives you access to emergency roadside services — like towing, jump-starts, or lockout assistance — by calling the number on the back of your card. Note that service fees are typically charged separately and are not covered by the card benefit.
Resets: Yearly