{"id":276937,"date":"2026-09-10T18:00:13","date_gmt":"2026-09-10T18:00:13","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=276937\/"},"modified":"2026-09-09T20:06:33","modified_gmt":"2026-09-09T20:06:33","slug":"limited-time-earn-a-250-cash-rewards-bonus-on-the-bank-of-america-unlimited-cash-rewards-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/bank-of-america-unlimited-cash-offer\/","title":{"rendered":"Limited Time: Earn a $250 Cash Rewards Bonus on the Bank of America Unlimited Cash Rewards Card"},"content":{"rendered":"<p class=\"isSelectedEnd\">A no-annual-fee card with a simple cash-back structure is always worth a look \u2014 especially when it\u2019s offering one of its strongest bonuses.<\/p>\n<p class=\"isSelectedEnd\">The card\u2019s long-term appeal is straightforward: unlimited 1.5% cash back on purchases, with no annual fee and no bonus categories to track. And if you qualify for Bank of America Preferred Rewards, that earning rate can climb as high as 2.625% cash back \u2014 making this card far more compelling than it might look at first glance.<\/p>\n<p class=\"isSelectedEnd\">Here\u2019s what you need to know about the limited-time offer, how the card works after the bonus posts, and the Bank of America application rules to keep in mind.<\/p>\n<p><span class=\"text-token-text-primary cursor-text rounded-sm\" data-placeholder-token=\"true\"><div class=\"qs-card\" data-id=\"4048258\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937246.png\" width=\"150\" alt=\"Bank of America\u00ae Unlimited Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Bank of America\u00ae Unlimited Cash Rewards credit card' data-ccid=\"4048258\" href=\"\/blog\/link\/CR-BankOfAmericaUnlimitedCashRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card offers a simple and straightforward rewards setup, ideal if you prefer uncomplicated cash back earnings. With no annual fee, the card provides a flat rate of 1.5% cash back on all purchases. For BofA Rewards\u2122 members, the cash back rate can increase significantly, up to 2.62% as an ongoing earning rate, depending on the account balance tier\u200b. <a href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">Learn more about BofA Rewards\u2122<\/a>.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 1.5% cash back on all purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOAUnlimited\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-9-4a4970f3d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/span><\/p>\n<h2><span id=\"Bank_of_America_Unlimited_Cash_Card_Welcome_Bonus\">Bank of America Unlimited Cash Card Welcome Bonus<\/span><\/h2>\n<p>For a limited time, new cardholders can earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This is $50 higher than the standard welcome offer.<\/p>\n<p>This bonus represents a 25% bonus on the first $1,000 in spending &#8212; and that's before you factor in the cash back earnings from that spending.<\/p>\n<p>Plus, 90 days should be an easily achievable window to <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/how-to-meet-minimum-spend-requirements\/\" rel=\"noopener\">meet a $1,000 spending requirement<\/a>. Most households should easily clear this with typical everyday spending.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/best-cash-back-credit-card-offers\/\" rel=\"noopener\">The Best Cash Back Cards for Every Budget<\/a><\/strong><\/p>\n<h2><span id=\"Bank_of_America_Unlimited_Cash_Card_Benefits_and_Earnings\">Bank of America Unlimited Cash Card Benefits and Earnings<\/span><\/h2>\n<p>The <a data-ccid=\"4048258\" href=\"\/blog\/link\/CR-BankOfAmericaUnlimitedCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America Unlimited Cash Card<\/a> earns unlimited 1.5% on all purchases, with no need to track bonus categories or spending caps, and no need to activate anything. Rewards don't expire while the account is open and in good standing. <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america-redeem-cash-rewards\/\" rel=\"noopener\">Cash back<\/a> can be redeemed as a statement credit, a deposit into an eligible Bank of America checking or savings account, or a credit to an eligible Merrill account.<\/p>\n<figure id=\"attachment_138887\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-138887 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg\" alt=\"Hand inserts Bank of America credit card into a payment terminal\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Hand-inserts-Bank-of-America-credit-card-featured-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Bank of America<\/em><\/enter><\/figure>\n<p>While several no-annual-fee cards match or beat the card's 1.5% cash-back rate, the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" rel=\"noopener\">BofA Rewards program<\/a> can multiply your credit card earnings from 10% to as much as 75% based on how much you hold in Bank of America deposit accounts and Merrill investment accounts. If you hold enough assets to reach the higher tiers, the Bank of America Unlimited Cash Card easily beats most competitor cards by <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/maximize-unlimited-cash-card-preferred-rewards\/\" rel=\"noopener\">earning up to 2.625% cash back<\/a> on all purchases.<\/p>\n<p>Beyond earning, the card offers a few perks. As a Visa Signature card, it includes <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/extended-warranty\/\" rel=\"noopener\">extended warranty coverage<\/a>, <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/roadside-assistance\/\" rel=\"noopener\">roadside dispatch<\/a>, and travel and emergency assistance. It also offers a 0% Intro APR for 15 billing cycles for purchases and for 15 billing cycles for any balance transfers made in the first 60 days. After that, a variable APR of 17.49% - 27.49% applies.\u00a0Balance transfers carry a fee of 3% for 60 days from account opening, then 5%.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-unlimited-cash-rewards\/\" rel=\"noopener\">Bank of America Unlimited Cash Card full review<\/a><\/strong><\/p>\n<h2><span id=\"Bank_of_America_Unlimited_Cash_Card_Application_Restrictions\">Bank of America Unlimited Cash Card Application Restrictions<\/span><\/h2>\n<p>Bank of America is stricter about approvals than some issuers, and several of its rules are unwritten. Here's what to keep in mind:<\/p>\n<ul>\n<li><strong>The <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-america-234-policy\/\" rel=\"noopener\">2\/3\/4 rule<\/a> caps new Bank of America cards.<\/strong> Two new cards in a two-month period, three in a 12-month period, and four in a 24-month period.<\/li>\n<li><strong>Recent applications elsewhere count against you.<\/strong> If you have a Bank of America deposit account, applications are generally denied once you've opened seven or more new cards across all issuers in the past 12 months. Without one, that threshold drops to three or more. Business cards that don't appear on your personal credit report typically aren't counted.<\/li>\n<\/ul>\n<p>Bank of America doesn't publish a rule on how long you must wait to earn the bonus again on the same card. Reported data points cluster around 24 months from opening or closing, depending on the product, but your experience may vary.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>This limited-time welcome bonus of $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening is one of the strongest bonuses the <a data-ccid=\"4048258\" href=\"\/blog\/link\/CR-BankOfAmericaUnlimitedCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America Unlimited Cash Card<\/a> has carried, and it provides an excellent return for a no-annual-fee card. If you've been on the fence about adding this one to your wallet, the elevated offer is a good reason to stop waiting.<\/p>\n<div class=\"qs-card\" data-id=\"4048258\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937246.png\" width=\"150\" alt=\"Bank of America\u00ae Unlimited Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Bank of America\u00ae Unlimited Cash Rewards credit card' data-ccid=\"4048258\" href=\"\/blog\/link\/CR-BankOfAmericaUnlimitedCashRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card offers a simple and straightforward rewards setup, ideal if you prefer uncomplicated cash back earnings. With no annual fee, the card provides a flat rate of 1.5% cash back on all purchases. For BofA Rewards\u2122 members, the cash back rate can increase significantly, up to 2.62% as an ongoing earning rate, depending on the account balance tier\u200b. <a href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">Learn more about BofA Rewards\u2122<\/a>.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 1.5% cash back on all purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOAUnlimited\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-9-4a4970f3d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Bank_of_America_Unlimited_Cash_Card_Welcome_Bonus\">Bank of America Unlimited Cash Card Welcome Bonus<\/a><\/li><li><a href=\"#Bank_of_America_Unlimited_Cash_Card_Benefits_and_Earnings\">Bank of America Unlimited Cash Card Benefits and Earnings<\/a><\/li><li><a href=\"#Bank_of_America_Unlimited_Cash_Card_Application_Restrictions\">Bank of America Unlimited Cash Card Application Restrictions<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Bank of America\u00ae Unlimited Cash Rewards credit card has a new welcome offer you should seriously consider. Here&#8217;s what the bonus is worth, how the card earns day-to-day, and the application rules you should know before you apply.<\/p>\n","protected":false},"author":81,"featured_media":138876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12789,12232],"coauthors":[36435],"class_list":["post-276937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-bank-of-america","tag-card-offers"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/276937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/81"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=276937"}],"version-history":[{"count":12,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/276937\/revisions"}],"predecessor-version":[{"id":277297,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/276937\/revisions\/277297"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/138876"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=276937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=276937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=276937"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=276937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}