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Bank of America® Unlimited Cash Rewards Credit Card Expired

$200 Bonus Offer
w/ $1K in eligible purchases
+27 Deal Score
91,025 Views
Bank of America is offering a $200 online cash rewards bonus offer after you make at least $1000 in purchases within the first 90 days of account opening with their Bank of America®​ Unlimited Cash Rewards credit card. You will also earn 1.5% cash back on every purchase, every time. There is no annual fee.

Thanks to staff member BoastfulRiver248 for finding this deal.



Slickdeals may be compensated by Bank of America.

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Edited September 3, 2021 at 09:51 AM by
Bank of America is offering a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening with the Bank of America®​ Unlimited Cash Rewards credit card. You will also earn 1.5% cash back on every purchase, every time. No annual fee.

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$200 Bonus Offer
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Even I have the same thought!! Is it worth to convert to unlimited 1.5% cb from single category 3 %?🤔
That's... pretty interesting....

I'd be sure and keep a copy of that if you take the offer


(which I would- I do have the travel card but never use it after having gotten its own signup-- this conversion would get me a SUB without a new account/hard pull AND let me ditch the premium rewards card that forced me to find value in the airline credit to keep getting 2.625% cash back on non-cat purchases)
I really should open one of these. Heavily invested in the bank of America ecosystem already. I get 5% back across multiple categories. This would be a great addition for flat rate cash back, but I already have a 2% card. Not sure it's worth a credit pull to get a little more

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Joined Feb 2011
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> bubble2 110 Posts
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cpt_eegee
08-07-2021 at 11:57 AM.
08-07-2021 at 11:57 AM.
I got a letter in the mail that my BofA Amex is being forcibly switched over to this new card. Underweather For anyone else who's in the same boat:

- The introductory $200 offer will still apply. BofA can swap you to a different card at anytime, but you will not get any such intro bonuses. So it's best to accept what they give you, cash in, then move to something else.

- Their base travel Visa (no annual rate) doesn't have foreign transaction fees, but your points are bastardized such that they can only be redeemed for travel

That leaves their $100/year 'Premium' as the only worthwhile 'no foreign transaction fee' option. As others have mentioned there are more competitive options out there, but it's not completely unreasonable.
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Joined Jun 2012
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> bubble2 226 Posts
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mikeWPI
08-07-2021 at 12:03 PM.
08-07-2021 at 12:03 PM.
Quote from PMR :
Are there any cards that are offering cash back and other benefits like purchase protection, extended warranty, rental car insurance etc? Almost all cards had these benefits earlier and they were all taken out ☹️
Bank of America travel rewards still has rental car insurance, along with their premium rewards credit card. The rest of their cards don't have much perks besides the cashback.
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Joined Dec 2015
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> bubble2 1,692 Posts
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junkdealer
08-07-2021 at 12:04 PM.
08-07-2021 at 12:04 PM.
Quote from Knightshade :
If you travel enough you care at all about foreign transaction fees you should be carrying one or more PAID travel credit cards whose perks and benefits and higher reward rates more than offset their annual fees.

For example the BoA Premium rewards card- which has a $95 fee, but a $100 airline credit, a $100 GE credit, and better cash back rates than this card (same as this one for non-category spend, but 3.5% with top status for travel, dining, groceries), and no foreign transaction fees.


(or if you travel really significantly, the various flexible point cards from folks like Chase, Amex, or Citi, will get you even better reward rates, with more perks, and also no FTFs)
Whats $100 GE credit? - I thought they gave $200 in travel statement credit rewards
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Joined Dec 2015
L3: Novice
> bubble2 1,692 Posts
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junkdealer
08-07-2021 at 12:05 PM.
08-07-2021 at 12:05 PM.
Quote from slkmaster2000 :
I really should open one of these. Heavily invested in the bank of America ecosystem already. I get 5% back across multiple categories. This would be a great addition for flat rate cash back, but I already have a 2% card. Not sure it's worth a credit pull to get a little more
What card gives 2% across the board? I thought 1.5% was the best with BofA. thanks
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Joined Jun 2016
L3: Novice
> bubble2 3,156 Posts
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np1050
08-07-2021 at 12:11 PM.
08-07-2021 at 12:11 PM.
Quote from junkdealer :
What card gives 2% across the board? I thought 1.5% was the best with BofA. thanks

https://letmegooglethat.com/?q=2%...edit+cards
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Joined Dec 2015
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> bubble2 1,692 Posts
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junkdealer
08-07-2021 at 12:20 PM.
08-07-2021 at 12:20 PM.
Yes, I did that thank you - all I see is 1.5, thus the question Smilie
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Joined Jun 2016
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> bubble2 3,156 Posts
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np1050
08-07-2021 at 12:22 PM.
08-07-2021 at 12:22 PM.
Quote from junkdealer :
Yes, I did that thank you - all I see is 1.5, thus the question Smilie

From BOA, this is as high as it goes, unless you have the higher status, then it goes up to 2.6%. if you're in there already I've found this is one of the best Cashback systems without annual fees or rotating categories to worry about
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Joined Dec 2015
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> bubble2 1,692 Posts
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junkdealer
08-07-2021 at 02:37 PM.
08-07-2021 at 02:37 PM.
Quote from slkmaster2000 :
From BOA, this is as high as it goes, unless you have the higher status, then it goes up to 2.6%. if you're in there already I've found this is one of the best Cashback systems without annual fees or rotating categories to worry about
Yep agree - sorry I thought you were saying you had a 2% Bofa card. I am all in the Bofa system and think 2.6% is the best for general purchase.
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Joined Sep 2009
L10: Grand Master
> bubble2 15,364 Posts
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Knightshade
08-07-2021 at 06:05 PM.
08-07-2021 at 06:05 PM.
Quote from junkdealer :
Whats $100 GE credit? - I thought they gave $200 in travel statement credit rewards
Yeah- that $200 consists of:

$100 airline incidental credit (available every year)

$100 Global Entry credit (available once every 4 years)


Quote from mikeWPI :
Bank of America travel rewards still has rental car insurance, along with their premium rewards credit card. The rest of their cards don't have much perks besides the cashback.

It's secondary car insurance though- so basically garbage. Your personal car rental insurance gets dinged if you have a problem, and the secondary insurance just pays your deductible.

If you rent cars enough to care about this you need one that offers PRIMARY car rental insurance. Chase Sapphire Preferred and Reserve both offer this for free.

Amex offers it on many cards for an additional per-rental fee (though still way less than the rental company charges for it)
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Joined Dec 2003
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> bubble2 603 Posts
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GraySquirrel
08-08-2021 at 09:54 PM.
08-08-2021 at 09:54 PM.
Quote from junkdealer :
Yep agree - sorry I thought you were saying you had a 2% Bofa card. I am all in the Bofa system and think 2.6% is the best for general purchase.
With Fidelity, there is a 3% Visa card: https://www.fidelity.com/rewards/overview
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Joined Aug 2007
Temporally unavailable
> bubble2 37,299 Posts
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fyu
08-08-2021 at 10:11 PM.
08-08-2021 at 10:11 PM.
Quote from GraySquirrel :
With Fidelity, there is a 3% Visa card: https://www.fidelity.com/rewards/overview
didn't even know about fidelity tiers.
but 2million+ in professionally managed assets is not easy to get
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Joined Nov 2016
L1: Learner
> bubble2 20 Posts
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mymails.akbar
08-08-2021 at 10:26 PM.
08-08-2021 at 10:26 PM.
Quote from DeepThought :
I got a mailer from BofA offering to convert my Travel Rewards card to this new one, including offering the $200 bonus. Given that this has no foreign transaction fee, it looks like a straight upgrade - am I missing anything?

One exception is that the mailer says: "If you earned the 10% Travel Rewards customer bonus, that feature will not be available on your new Unlimited Cash Rewards card." However, from the Travel Rewards Program Rules [bankofamerica.com] I wouldn't personally be affected as "If you are enrolled in Preferred Rewards [...], the rewards bonus you receive under those programs will replace the Customer Points Bonus."

Its a fraud.. they say its an upgrade but i got a completely new card which was never intended.. also it say it will not impact your credit score but it made a new entry in my exlerion score.. just another scam from BoA.
1
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Joined May 2011
"1stBuy"
> bubble2 6,886 Posts
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CDI
08-09-2021 at 07:38 AM.
08-09-2021 at 07:38 AM.
Quote from PaulPats :
2.62% cash back for platinum honors
This is really high for a cashback card, esp if you have money parked anyways.

Definitely considering this now cause I'm stuck getting 1.5% cashback with Chase.
1
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Joined Sep 2017
L2: Beginner
> bubble2 61 Posts
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Pandorii
08-09-2021 at 07:51 PM.
08-09-2021 at 07:51 PM.
Was considering converting one of my cash rewards cards to the new unlimited card in hopes of qualifying for the $200 sign-up bonus. But I found this in the terms and conditions:

Bonus Cash Rewards Offer. You will qualify for $200 bonus cash rewards if you use your new credit card account to make any combination of purchase transactions totaling at least $1,000 that post to your account within 90 days of the account open date. Limit 1 bonus cash rewards offer per new account. This one-time promotion is limited to customers opening a new account in response to this offer and will not apply to requests to convert existing accounts.

If anyone has a different experience, please let me know.
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Joined Feb 2011
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> bubble2 110 Posts
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cpt_eegee
08-10-2021 at 09:21 AM.
08-10-2021 at 09:21 AM.
Quote from mymails.akbar :
Its a fraud.. they say its an upgrade but i got a completely new card which was never intended.. also it say it will not impact your credit score but it made a new entry in my exlerion score.. just another scam from BoA.
Man I really hope not... I've been forcibly transferred by BofA before, but that was years ago off of my first Student card.

Quote from Pandorii :
This one-time promotion is limited to customers opening a new account in response to this offer and will not apply to requests to convert existing accounts.
That's exactly what the phone rep told me. You can transfer your card to any other card at any time, but there would be no introductory period, thus no bonus.
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