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
within 90 days of account opening
Payout
Within 8-12 weeks after qualifying
Requirements
- ✓Min $1,000 in purchases in first 90 days
- ✓$1,000 in purchases within 90 days of account opening
- ✓Minimum $1,000 in purchases in first 90 days
- ✓Minimum $1,000 in purchases within first 90 days
- ✓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 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
Restrictions
- ⚠New cardholders only
- ⚠Online offer only
- ⚠Limit 1 bonus cash rewards offer per new account
- ⚠New customers only
- ⚠Online only offer
- ⚠One bonus per new account
- ⚠New account holders only
- ⚠Online channel only
- ⚠Limited-time online offer
- ⚠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
- ⚠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
Fees
- $0 annual fee
- 3% foreign transaction fee
- 3% intro balance transfer fee for transfers made within first 60 days (4% thereafter)
- Earn unlimited 2% cash back on all purchases for the first year from account opening
- After first year: 1.5% cash back on all purchases
- Cash advances and balance transfers are not considered purchases and do not apply
- First-year bonus does not apply to Preferred Rewards bonus calculations
- Bonus offer applies to online applications only
- Reward value may constitute taxable income and could result in a 1099 form
- Earn unlimited 2% cash back on all purchases for first year, then 1.5% thereafter
- Cash rewards do not expire as long as account remains open
- 0% Intro APR for 15 billing cycles on purchases; 0% on balance transfers made within first 60 days
- 3% intro balance transfer fee for first 60 days, then 5%
- Balance transfers cannot be used to pay any Bank of America account
- Online applications only on select channels
- 2% cash back on all purchases for the first year; 1.5% thereafter
- After first year, earn unlimited 1.5% cash back on all purchases
- 0% Intro APR for 15 billing cycles on purchases and balance transfers made within 60 days
- 3% balance transfer fee for first 60 days, then 5% thereafter
- 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
- 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)
Last updated August 11, 2026
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Aug 11, 2026Change detected
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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
- within 90 days of account opening
- Payout timeline
- Within 8-12 weeks after qualifying
How to qualify
- Min $1,000 in purchases in first 90 days
- $1,000 in purchases within 90 days of account opening
- Minimum $1,000 in purchases in first 90 days
- Minimum $1,000 in purchases within first 90 days
Common pitfalls
- New cardholders only
- Online offer only
- Limit 1 bonus cash rewards offer per new account
- New customers only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 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 within 90 days of account opening.
When does Bank of America Unlimited Cash Rewards Bonus pay out?
The payout timeline listed for Bank of America Unlimited Cash Rewards Bonus is Within 8-12 weeks after qualifying.
