Bank of America Unlimited Cash Rewards Benefits, Credits & Annual Fee

• $250 cash rewards

  $1,000 in net purchases First 90 days from account opening **Bonus Cash Rewards Offer.** You will qualify for $250 bonus cash rewards if you use your new credit card account to make any combination of purchase transactions totaling at least $1,000 (excluding any fees) that post to your account within 90 days of the account open date. Returns, credits, and adjustments to this card will be deducted from purchases, even if this card was not the original payment method. Cash Advances and Balance Transfers are not considered purchases and do not apply for purposes of this offer. Limit 1 bonus cash rewards offer per new account. This one-time promotion is limited to customers opening a new account in response to this offer and will not apply to requests to convert existing accounts. Your account must be open with active charging privileges in order to receive this offer. Other advertised promotional bonus cash rewards offers can vary from this promotion and may not be substituted. Once you qualify, you will receive your cash rewards within your next 1-2 billing cycles. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither we, nor our affiliates, provide tax advice.

  Checked Sep 10, 2026Source

Bonus Earnings

• 1.5% Cash Back on All Purchases - Ongoing1.5%

  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.

  Checked Jul 4, 2026
• 2% Cash Back on All Purchases - First Year2%

  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%.

  Checked Jul 4, 2026
• BofA Rewards Credit Card Rewards Bonus

  Earn bonus credit card rewards through BofA Rewards. Join the program and use an eligible Bank of America credit card for purchases to earn the bonus. The bonus applies only to eligible cards and purchases.

  Checked Oct 7, 2026

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.

  Checked Jul 4, 2026
• 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.

  Checked Jul 4, 2026

Fees & Miscellaneous

• Flexible Cash Rewards Redemption

  Redeem cash rewards in any amount, anytime. Use them for a statement credit, a deposit into an eligible Bank of America checking or savings account, or purchases at Amazon.com or checkout with PayPal. Bank deposits require an eligible account.

  Checked Oct 7, 2026
• Foreign Transaction Fee3% / yr

  A 3% fee applies to each purchase made outside the U.S. or in a foreign currency.

  Checked Sep 26, 2026
• No Annual Fee$0 / yr

  The card has a $0 annual fee. Use it for purchases and earn cash back without paying a yearly charge to keep the card. Interest and other applicable fees can still apply.

  Checked Oct 7, 2026