BoA Unlimited Cash Rewards Card: US$ 200 Bonus Offer and 1.5% Cashback on All Purchases

The Bank of America, or simply BoA, offers Unlimited Cash Rewards with unlimited 1.5% cashback on all purchases, regardless of category!

And the card is quite comprehensive, featuring one of the leading brands in the American market, and you can apply for it easily.

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The Bank of America is a highly respected institution in the American market, offering accounts, financial management, and its own lines of credit cards.

The Bank of America card offers a $200 reward bonus for new users, with the condition of spending at least $1,000 on purchases within the first 90 days with the card.

In terms of rewards, the card provides unlimited 1.5% cash back on all purchases, with rewards that never expire.

However, for members of Bank of America’s Preferred Rewards program, the cashback can increase from 1.87% to 2.62% on every purchase.

You can redeem in different ways, such as statement credit, deposits into a Bank of America account, or payment for purchases on Amazon.com or PayPal.

In addition to rewards, the card comes with great everyday benefits. First, you can pay with chip technology for contactless transactions and enjoy a $0 liability guarantee for fraudulent transactions.

Typically, the BoA card starts with a minimum credit limit of about $1,000, but this can go up to $20,000 depending on your financial circumstances as evaluated by the bank.

There’s a $200 online cash rewards bonus offered by the bank if you spend at least $1,000 within the initial 3 months of opening your BoA account.

This card doesn’t have an annual fee and provides a 0% introductory APR for the first 15 months on both purchases and balance transfers. Following this period, the regular APR ranges from 18.24% to 28.24%, with a 3% balance transfer fee for the first 60 days and 4% afterward.

To qualify for BoA credit cards like this one, it’s recommended to have a FICO credit score of at least 670, which falls within the good to excellent credit range.

Applying for the Bank of America credit card can be done through the company’s online platforms.

Other important benefits include:

Balance Connect for overdraft protection to prevent declined purchases, returned checks, or withdrawals
Mobile Banking App for complete management at all times, paying the bill, transferring funds, or checking credit
Account alerts to stay informed about everything happening with the card
Free access to FICO score monitoring

Thus, the card offers efficient management with no annual fee and an introductory APR of 0% for 15 months.

And all of this not only with the physical card but also with digital wallet options for even more tech-savvy management.

Want to learn another option?

If you’re looking for a card with even more favorable conditions, the SavorOne version from Capital One could be an interesting option to consider.

The card offers general rewards of 1% and up to 3% in selected categories, and you can find out how to apply.

SEE HOW TO APPLY