Is the Bank of America Unlimited Cash Rewards worth a spot in your wallet?

The honest math on the Bank of America Unlimited Cash Rewards: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.

Bank of America · No annual fee · cash back

Earning rates

1.5x Unlimited cash back on every purchase

Card data verified against Bank of America on 2026-08-21.

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