Bank of America
Unlimited Cash Rewards
What it is
The Unlimited Cash Rewards is a Bank of America card earning cash back. For most, its value is mostly up front in the welcome bonus rather than ongoing perks. A no-fee flat 1.5% cash-back card — simple, with a small welcome bonus on low spend. A common downgrade home for a Premium Rewards card.
Offer history
Not enough offer history yet.
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC ATH | $200$1k · 90d | $200 | $200 | 20% | Jan ’24 |
What you get
No recurring benefits — this card’s value is its welcome bonus, not ongoing perks.
The receipt
default values| SUB value | +$200 |
| $200 cashback (face value) | |
| Ongoing benefits (yr 1) | +$0 |
| Annual fee | $0 |
| Year 1 | $200 |
| Return on $1k MSR | 20% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Unlimited Cash Rewards scores 50 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →