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The Bank of America Unlimited Cash Rewards credit card is the ideal partner for those seeking simplicity and straightforward rewards. From the first use, you’ll notice there are no secrets: every purchase earns 1.5% cash back, unlimited and hassle-free. Simple as that!
If you love making every penny count and want to see your daily purchases turn into cash back, this card is for you. Plus, with zero annual fees, it becomes an even more attractive option.
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Curious to learn more? Keep reading and find out why this credit card can be your next great financial ally, offering financial freedom like you’ve never seen before.
About the Issuer
Bank of America is one of the giants in the banking sector in the United States, with a long history of innovation and customer service. Founded in 1904, the bank has grown and diversified, becoming a global reference in financial services.
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Known for its robust infrastructure and customer service, Bank of America stands out for offering financial products that meet the needs of a diverse customer base. Its credit cards are known for their reliability and attractive rewards.
With the Bank of America Unlimited Cash Rewards, the institution reinforces its commitment to providing tangible benefits and simplicity in daily use, reflecting its mission to make customers’ financial lives easier.
Benefits
Cashback on All Purchases: With the Bank of America Unlimited Cash Rewards, you earn 1.5% cashback on all purchases, with no accumulation limit. This means every coffee, grocery purchase, or fuel refill comes back to you as cash.
Sign-Up Bonus: By spending $1,000 in the first 90 days after opening your account, you receive a $200 cashback bonus. An easy way to start accumulating rewards quickly!
No Annual Fee: The card does not charge an annual fee, meaning you can enjoy all the benefits without extra costs, making it an economical option for those looking to maximize their rewards.
0% Intro APR: Enjoy 0% APR on purchases and balance transfers for the first 15 billing cycles. Ideal for large purchases or consolidating debts without worrying about high interest rates.
Additional Benefits for Preferred Rewards Members: If you are a member of the Bank of America Preferred Rewards program, you can earn between 25% and 75% more cashback, increasing your return rate to up to 2.62% on every purchase.
Flexible Redemption Options: Accumulated points can be redeemed in various ways, including statement credits or deposits into eligible Bank of America or Merrill accounts.
Contactless Payment Technology: Enjoy the convenience and security of tap-to-pay technology, making your daily purchases easier.
Bank of America Unlimited Cash Rewards – Fees and commissions
The Bank of America Unlimited Cash Rewards credit card is a comprehensive card with no annual fee. This means you can enjoy the cashback program and make international purchases without worrying about card administration fees.
As mentioned earlier, the bank offers a lower introductory APR that applies for 15 billing cycles. After this period, the current variable rate ranges from 19.24% to 29.24%.
The balance transfer fee is 3% for each event within the first 60 days after opening your account. After this offer period ends, the initial balance transfer fee becomes 4%.
Card limit
The credit limit varies based on individual credit analysis. Bank of America evaluates your ability to pay and credit history to determine the appropriate limit for you upon card application.
Typically, the limit granted after approval for the Bank of America Unlimited Cash Rewards is lower, but by paying bills on time and maintaining a good relationship with the bank, you may qualify for a higher credit limit.
This ensures a more comprehensive shopping experience for consumers, and you can manage your limit easily through the bank’s official app, available for smartphones.
Positive points
- SIMPLICITY:Unlimited cashback and no annual fees make the card easy to use.
- SIGN-UP BONUS:The $200 bonus is an attractive incentive for new cardholders.
- FRAUD PROTECTION:Bank of America offers robust security to protect your transactions.
Negative points
- BALANCE TRANSFER FEE:The initial 3% fee for balance transfers can be inconvenient.
- VARIABLE APR:After the introductory period, the interest rate may be high for some users.
- ELIGIBILITY:To be approved for the card, certain eligibility criteria need to be met, which can be somewhat strict.
How to apply for Bank of America Unlimited Cash Rewards
- Visit the Bank of America official website.
- Find the Unlimited Cash Rewards and review all the information about it.
- Click on “Apply Now.”
- Fill out the application form with your personal and financial information, including your full name, address, email, among other details.
- If you are already a bank customer, log in to expedite the application process.
- Submit the required documents.
- Wait a few moments to find out if the card is right for you;
- If approved, the Bank of America Unlimited Cash Rewards will be issued and delivered to the address provided during the application.
How to contact Bank of America
For more information or to clarify any doubts about the Bank of America Unlimited Cash Rewards, contact customer service through one of the following channels:
- 800 932 2775;
- Use the chat available on the official website;
- Visit the nearest branch.
With cashback on all purchases, an attractive sign-up bonus, and no annual fee, this card is a smart choice for those seeking simplicity and value. Apply now for your Bank of America Unlimited Cash Rewards and start earning!
