The BOA Unlimited Cash Rewards Card makes earning travel funds simple through consistent cash back on every purchase.
You get a flat 1.5% rate, no annual fee, and easy redemption options for trips or savings.
This guide explains how the card works, its rates and fees, and how you can use it to effortlessly grow your next travel budget.
Overview of the BOA Unlimited Cash Rewards Card
This card is designed for users who prefer simple, consistent cash rewards without complicated categories.
It offers flexibility, security, and value, especially for those focused on building travel savings efficiently.
- 1.5% Cash Back: Earn automatically on all purchases, no limits.
- No Annual Fee: Keep all your rewards, no yearly cost.
- Easy Redemption: Redeem as credits, travel funds, or deposits.
- Flexible Use: Perfect for daily spending and travel expenses.
- BOA Integration: Manage rewards via the app or online banking.
- Global Acceptance: Use worldwide wherever Visa or Mastercard works.
Rates and Fees
Before applying, you should know the card’s rates and fees to understand its total cost and potential savings.
- Annual Fee – $0: No yearly charge; keep all your rewards.
- Rewards Rate – 1.5%: Flat rate on every purchase; up to 2.625% with bonuses.
- Intro APR – 0% for 15 Cycles: Applies to purchases and transfers within 60 days.
- Regular APR – 18.24%–28.24%: Varies by credit score and market rate.
- Transfer Fee – 3%–4%: 3% for the first 60 days, then 4% after.
- Foreign Fee – 3%: Added for all international transactions.
- Cash Advance – 28.24%–29.24%: Higher rate for cash withdrawals.
- Late Fee – Up to $40: Charged if you miss your payment date.
Key Features and Benefits
This card focuses on simplicity and consistent rewards, making it ideal if you want to grow your travel savings without having to track categories.
Each feature is designed to help you earn, save, and manage your spending easily.
- 1.5% Cash Back: Earn the same rate on all purchases, no limits.
- No Annual Fee: Keep all your rewards, no yearly cost.
- Easy Redemption: Redeem as credits, deposits, or cash.
- No Expiration: Rewards remain active as long as the account is open.
- 0% Intro APR: Valid for 15 billing cycles on purchases and transfers.
- Preferred Bonus: Earn up to 2.625% with Preferred Rewards.
- Secure Features: Receive fraud alerts and card-lock options.
- Mobile Access: Track and redeem anytime via the BOA App.
Step-by-Step Application Process
Applying for the BOA Unlimited Cash Rewards Card is quick and can be done entirely online or at a local branch.
Follow these simple steps to complete your application smoothly and securely.
- Visit Website: Go to the BOA Credit Cards page and choose Unlimited Cash Rewards.
- Click Apply: Start your application and review the offer details.
- Enter Details: Provide personal, contact, and income information.
- Check Terms: Review rates, fees, and disclosures before submitting.
- Submit Form: Get an instant decision or email update.
- Receive Card: Approved cards are mailed within 7–10 days.
Reward Redemption and Travel Fund Growth
This card makes saving for travel simple by turning your everyday spending into steady rewards.
The more consistently you use the card, the faster your travel fund grows.
- Flexible Redemption: Redeem cash back as credits, deposits, or transfers.
- Automatic Tracking: Earn 1.5% cash back on every purchase.
- No Expiration: Rewards remain active as long as your account is open.
- Preferred Bonus: Get up to 2.625% back with Preferred Rewards.
- Travel Example: Spend $1,000 per month to earn about $180 per year.
- BOA App Access: Track and redeem rewards anytime.
Tips to Maximize Cash Rewards
To grow your travel fund faster, you need to use the BOA Unlimited Cash Rewards Card strategically.
These simple habits help you earn more and keep your account in good standing.
- Use for Daily Spending: Earn steady rewards on groceries, gas, and bills.
- Pay in Full Monthly: Avoid interest and keep your cash back intact.
- Join Preferred Rewards: Boost earnings by 25%–75% by tier.
- Set Auto Payments: Prevent missed due dates and protect credit.
- Track in BOA App: Monitor, redeem, and grow your rewards easily.
- Redeem Often: Use cash back for travel or savings goals.
Travel Perks and Usage Abroad
The BOA Unlimited Cash Rewards Card offers global use and reliable access.
Knowing its travel features helps you use it safely and efficiently abroad..
- Global Use: Accepted anywhere Visa or Mastercard works.
- Foreign Fee – 3%: Charged on each international purchase.
- Secure Payments: Chip tech, card lock, and fraud alerts protect you.
- Mobile Wallets: Use Apple Pay, Google Pay, or Samsung Pay abroad.
- Travel Alerts: Set trip dates in the app to prevent declines.
- 24/7 Support: Get help or card replacement anytime overseas.
Integration with Bank of America Preferred Rewards
The Preferred Rewards program enhances your cash-back rate and adds extra financial benefits.
Linking your BOA Unlimited Cash Rewards Card to this program helps you earn more and enjoy premium banking perks.
- Bonus Cash Back: Earn 25%–75% more, up to 2.625% total on all purchases.
- Qualification Tiers: Gold, Platinum, and Platinum Honors based on total BOA balances.
- Automatic Upgrade: Bonuses apply automatically once you qualify.
- Extra Perks: Get loan discounts, savings bonuses, and priority service.
- Easy Integration: Manage all BOA accounts in one dashboard.
- Long-Term Value: Boosts overall returns for frequent spenders.
Comparison with Other BOA Cash-Back Cards
Comparing Bank of America’s cash-back cards helps you see which best fits your spending style.
These five points summarize the main differences and advantages.
- Unlimited Cash Rewards Card: Flat 1.5% rate on all purchases with no category tracking.
- Customized Cash Rewards Card: Lets you choose a bonus category, such as gas or online shopping, for higher cash back, but with spending limits.
- Premium Rewards Card: Focused on travel benefits and points instead of simple cash back, with a higher annual fee.
- Key Differences: Varying bonus categories, spending caps, and fee structures set these cards apart.
- Recommendation: Choose Unlimited for simplicity and steady earnings, or Customized/Premium if you spend heavily in select categories.
Contact Information and Support
If you need help with your BOA Unlimited Cash Rewards Card, contact Bank of America Support directly.
You can reach them by phone, mail, or online for questions about applications, payments, or account management.
- Customer Service (Credit Cards): 800-732-9194 (available 24/7)
- Mailing Address: PO Box 15019, Wilmington, DE 19886-5019 (for credit card correspondence)
- International Phone Number: 1-302-738-5719 (for calls when outside the U.S.)
Final Takeaway
The BOA Unlimited Cash Rewards Card gives you simple earnings and steady cash back to grow your travel funds without complexity.
You benefit from a flat 1.5% rate, no annual fee, and flexible redemption, making it a practical choice for everyday spending and future trips.
Apply today through Bank of America’s official website and start building your travel savings automatically.
Disclaimer
Information in this article is for general guidance only and may change without prior notice.
Always review the latest rates, terms, and eligibility requirements on the official Bank of America website before applying.
