Credit Cards

Applying for the Bank of America® Unlimited Cash Rewards card: learn how!

This robust rewards credit card has one of the most powerful cash back programs on the market. We’re going to show you how to get yours. Keep reading to learn how to apply for a Bank of America® Unlimited Cash Rewards card today!

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by Danilo Pereira

Published on 04/22/2022

Bank of America® Unlimited Cash Rewards Card: one of the best cash back rewards program for qualified customers on the market

Bank of America® Unlimited Cash Rewards credit card
How to apply to this card? Source: Stealth Capitalist.

The Bank of America® Unlimited Cash Rewards card is an excellent choice if you qualify for Bank of America’s Preferred Rewards program. The application process is simple and quick, so we’ve decided to make things easier for you and give you a step-by-step guide of the whole process below.

card

Credit Card

BofA Unlimited Cash

cash back rewards

No annual fees, no minimum cash redemptions, no limited redemption amount.

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Apply online

BofA apps
Learn how to apply online. Source: Stealth Capitalist.

Go to Bank of America’s website. At the top of the page you will find the Credit Cards tab. Click on it to view a dropdown menu, and then select Cash Back Credit Cards.

Scroll down and click “Check Offers”. You will be offered the option of logging to a Bank of America account. If you qualify for the Preferred Rewards program, odds are you have an account, but if you don’t, go ahead and click to continue without logging in.

The website is going to require that you provide your first and last name, date of birth and Social Security number in order to continue. Once you hit continue, you must enter your home address. Then you have to inform your citizenship status, Social Security number and country of residence.

Once you hit Save and Continue, you are going to have to enter your employment status, annual income, source of income and monthly housing payment. You will also find the options to transfer a balance to your new credit card and add a new cardholder. Now hit save and continue.

You are almost done! Now, review the terms and conditions as the website is going to present them to you, check the box to confirm you acknowledge the terms, and hit save and continue again. Now review your information, and if everything is in place, hit “Submit my application”. 

You made it! You will receive your Bank of Bank of America® Unlimited Cash Rewards card in just a few business days.

Bank of America® Unlimited Cash Rewards vs. Chase Freedom Unlimited®

If the Bank of Bank of America® Unlimited Cash Rewards credit card doesn’t sound appealing to you, we have an alternative.

Maybe you haven’t achieved Gold, Platinum or Platinum Honors status. In that case, you might want to consider the Chase Freedom Unlimited® card. It offers great cash back rewards and charges $0 annual fees.

Bank of America® Unlimited Cash RewardsChase Freedom Unlimited® 
Credit ScoreGood – ExcellentGood – Excellent
Annual Fee$0$0
Regular APRVariable 14.24% – 24.24%14.99% – 23.74%
Welcome bonus$200 once you’ve made $1,000 in purchases in the first 90 of account opening1.5% additional cash back for the first year on up to $20,000
Rewards1.5% cash back on all purchases3% back at restaurants (takeout and eligible delivery services)
3% back on drugstore purchases
5% back on travel purchases using 
1.5% cash back on every other purchase
Chase Freedom Unlimited® card

How to get the Chase Freedom Unlimited

In this step-by-step guide, we're going to show you how to apply for the Chase Freedom Unlimited.

About the author  /  Danilo Pereira

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