What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
Credit Card
Bank of America Unlimited Cash Rewards Bonus — Up to $200
Sign up for Bank of America Unlimited Cash Rewards Bonus and earn up to $200 in bonus rewards.
See all Bank of America offers →
Qualifying Period
90 days
Requirements
- ✓Min $1,000 in purchases within first 90 days of account opening
- ✓$2,000 in purchases in first 90 days
- ✓Minimum $1,000 in purchases in the first 90 days of account opening
- ✓Minimum $1,000 in purchases within 90 days of account opening
- ✓Spend $1,000 within first 90 days
- ✓Min $1,000 in purchases in first 90 days
- ✓Min $1,000 in purchases within 90 days of account opening
- ✓Min $1,000 in purchases within first 90 days
- ✓Minimum $1,000 in purchases within first 90 days of account opening
- ✓Spend at least $1,000 in purchases within 90 days of account opening
- ✓Spend $1,000 or more on purchases within 90 days of account opening
- ✓Spend at least $1,000 on purchases within 90 days of account opening
- ✓Account must be open with active charging privileges
- ✓Spend $1,000 or more in purchases within 90 days of account opening
- ✓Spend $1,000 in purchases within first 90 days of account opening
Restrictions
- ⚠New account holders only
- ⚠Online channel only
- ⚠New cardholders only
- ⚠Limited-time online offer
- ⚠New customers only
- ⚠Must spend $1,000 in first 90 days
- ⚠May not be available if you have held this card within the past 24 months
- ⚠New account only
- ⚠One bonus per account
- ⚠Online offer only
- ⚠Will not apply to account conversions
- ⚠No duplicate bonus within 24 months
- ⚠Limit 1 bonus per new account
- ⚠Account must be open with active charging privileges
- ⚠Online cash rewards bonus offer
- ⚠New applicants only
- ⚠Subject to credit approval
- ⚠Online application only
- ⚠Bonus paid only when applying online
- ⚠One bonus per new account
- ⚠Must make purchases totaling at least $1,000
- ⚠One per new account
- ⚠Online offer only on select channels
- ⚠Online offer
Fees
- $0 annual fee
- 3% intro balance transfer fee for transfers made within first 60 days (4% thereafter)
- 3% foreign transaction fee
- Limit 1 bonus cash rewards offer per new account
- Account must be open with active charging privileges to receive offer
- Does not apply to requests to convert existing accounts
- Rewards do not expire as long as account remains open
- Points do not expire
- No cap on rewards
- Minimum redemption: 5,000 points ($50)
- Points cannot be used toward taxes, fees, or gratuities
- Earn unlimited 2% cash back on all purchases for the first year from account opening
- After the first year, earn unlimited 1.5% cash back on all purchases
- Bonus is paid as online cash rewards credit to your account
- Earn 2% cash back on all purchases for the first year (includes 0.5% first-year bonus), then 1.5% thereafter
- 0% intro APR for 15 billing cycles on purchases and balance transfers made within first 60 days of opening
- Preferred Rewards members earn 25%-75% additional cash back (but not on the 0.5% first-year bonus)
- 2% cash back on all purchases for first year from account opening; 1.5% thereafter
- 0% intro APR for 15 billing cycles on purchases and balance transfers made within first 60 days
- Bonus earns 2% cash back on all purchases for first year from account opening, then 1.5% thereafter
- Cash Advances and Balance Transfers do not qualify for bonus
- Returns, credits, and adjustments will be deducted from purchases
- First-year bonus offer does not apply to Preferred Rewards bonus on additional rewards earned
- Account must remain open with active charging privileges to receive bonus
- Cash rewards do not expire as long as account remains open
- Earn 2% cash back on all purchases for first year, then 1.5% thereafter
- Additional 0.5% cash back bonus within first year (365 days from account opening)
- Preferred Rewards member bonus does not apply to 0.5% first-year bonus
- 0% Intro APR for 15 billing cycles on purchases; 0% on balance transfers made within first 60 days (then 3%-5% BT fee)
- Cash advances and balance transfers do not count toward spending requirement
- Preferred Rewards bonuses are not applied to the additional 0.5% first-year bonus
- Value of reward may constitute taxable income (Form 1099)
- Earn 2% cash back on all purchases for the first year from account opening
- Earn 1.5% cash back thereafter
- Cash rewards do not expire as long as the account remains open
- 2% cash back on all purchases for first year from account opening, then 1.5% thereafter
- Preferred Rewards members can earn up to 75% additional cash back on top of base earning rates
- 2% cash back on all purchases for first year from account opening
- 1.5% unlimited cash back thereafter
- 0% Intro APR for 15 billing cycles on purchases and balance transfers made within 60 days
- 3% balance transfer fee for first 60 days; 5% thereafter
- 3% foreign transaction fee
- Bonus is paid as online cash rewards
- Cash back does not expire as long as account remains open
- 3% foreign transaction fee applies
- Preferred Rewards program can increase rewards rates by 25-75%
- Cash rewards do not expire as long as account remains open and in good standing
- Rewards can be forfeited if account is closed
- Cash advances and balance transfers do not count toward the $1,000 spending requirement
- Bonus value may be subject to IRS Form 1099 as taxable income
- Returns, credits, and adjustments will be deducted from purchases for bonus qualifying purposes
- Cash Advances and Balance Transfers do not count toward bonus
- First year: earn 2% cash back on all purchases; after year 1: earn unlimited 1.5% cash back on all purchases
- Preferred Rewards bonus will not be applied to the $200 welcome bonus amount itself, only to ongoing spending
- Earn 1.5% cash back on all purchases thereafter
- Bonus does not apply to balance transfers or cash advances
- Preferred Rewards members can earn 25%-75% additional rewards
- Bonus not applied to additional cash rewards earned from the 2% first-year bonus
- Preferred Rewards bonuses do not apply to the 2% first-year bonus
- Card must remain open with active charging privileges to receive and retain bonus
- Cash Advances and Balance Transfers are not considered purchases and do not qualify
- Returns, credits and adjustments to purchases will be deducted from the purchase total
- Earn 2% cash back on all purchases for the first year from account opening, then 1.5% thereafter
Last updated June 29, 2026
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Jun 22, 2026
How to evaluate Bank of America Unlimited Cash Rewards Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- 90 days
How to qualify
- Min $1,000 in purchases within first 90 days of account opening
- $2,000 in purchases in first 90 days
- Minimum $1,000 in purchases in the first 90 days of account opening
- Minimum $1,000 in purchases within 90 days of account opening
Common pitfalls
- New account holders only
- Online channel only
- New cardholders only
- Limited-time online offer
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $3,000 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for Bank of America Unlimited Cash Rewards Bonus?
The qualifying period listed for Bank of America Unlimited Cash Rewards Bonus is 90 days.
