Bank of America · personal · visa
Unlimited Cash Rewards
A plain 1.5% card (2% in year one) that only beats the 2% flat-rate leaders if you have BofA Rewards status — with Platinum Honors the boost makes it one of the best flat-rate cards anywhere. Without balances at BofA, look elsewhere.
Current public offer
$200 online cash rewards bonus — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 15 billing cycles on purchases and balance transfers (BT within 60 days; 3% intro BT fee first 60 days, then 5%)
- Suggested credit: Good / Excellent
Earning
- 1.5% on everything (2% for the first year from account opening)
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.