If you have been a loyal customer of the Bank of America, having a Bank of America credit card is almost a default option at this point. A Bank of America credit card gives you access to tons of perks and benefits.
One of which is the popular Bank of America Unlimited Cash Rewards Credit Card. It offers very high reward rates and long APR periods, which makes it even more attractive to new credit card users.
If you want to learn more about the Bank of America Unlimited Cash Rewards Credit Card, check out the article below and find out how you can apply.
Bank of America Unlimited Cash Rewards Credit Card Overview
If you want to have the strongest rewards credit card out there, the Bank of America Unlimited Cash Rewards credit card might be the one for you.
Not only does it provide you with the most standard rewards program, but it also has the longest APR period ever.
You might just want to check the features, benefits, rewards, and bonuses that you can avail of when you get this Bank of America credit card.
Features and Benefits
With the Bank of America Unlimited Cash Rewards credit card, you get to earn 1.5% cash back for every purchase that you make with the card.
There is no limit to the amount of cash-back rewards that you can earn, and the best part is that you can earn the rewards in any category.
Use the card on your next purchase and experience unlimited rewards.
Redeeming Rewards
Once you have collected enough cash back rewards, you can then use it in three options. You can either deposit the rewards to your Bank of America savings or checking account.
You can also choose to have it as a statement credit for your card. Lastly, you can use the cash back as a credit to your Merrill accounts.
All rewards are accessible through your online account.
A Very Generous Welcome Bonus
Another great perk that new cardholders can take advantage of is the very generous welcome bonus.
The Bank of America Unlimited Cash Rewards credit card offers $200 cash rewards once you have spent just $1,000 in the first 3 months of opening your account.
The fact that you just need to spend that amount on anything and you get an amazing bonus in return sounds like a good investment.
Fees and Other Rates You Should Know Before You Apply
When you have the Bank of America Unlimited Cash Rewards Credit Card, you will no longer have to pay an annual fee.
This is just one of the many perks that cardholders can enjoy.
Apart from that, you will need to pay for the standard fees like the 3% foreign transaction fee and 3% balance transfer fee for each transaction.
You can also enjoy 0% intro APR on both purchases and balance transfers for the first 15 billing cycles. After that, it will revert to 18.24% to 28.24% variable APR, depending on your credit score.
Contact Info
If you need further assistance or you want to know more about the card, you can always call their customer service hotline at 00 1 315-724-4022. A bank representative will be able to assist you with all of your inquiries and concerns.
You can visit your local Bank of America branch if you want to speak to a representative personally.
You may even visit their main office located at Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255.
How to Apply for the Bank of America Unlimited Cash Rewards Credit Card
Applying for the Bank of America Unlimited Cash Rewards Credit Card can be done in two different ways.
Each of the options will have its pros and cons, but it will still depend on the applicant’s convenience.
You can apply online, or you can apply personally by visiting your local Bank of America nearby.
Personal Application
For personal applications, make sure that you schedule a meeting with a bank representative by calling them beforehand.
You can inquire about all the required documents and prepare them.
Bring them with you when you apply and submit your application form.
Online Application
If you wish to apply online, you can always visit their official website.
Create an account and log in to check the full details of the Bank of America Unlimited Cash Rewards Credit Card.
Review the features and benefits before you proceed with the application.
Gather the Required Documents
Prepare digital copies of your income details as well as your address.
You can also have digital copies of any government-issued ID, your credit report, your Social Security Number, bank details, and many more.
Make sure that you also include your utility bills or mortgage agreement.
Compare With Other Cards
Before you proceed, you should also do some research.
Compare the Bank of America credit card with other credit cards to see if this credit card truly fits your lifestyle.
Once you have decided on the Bank of America Unlimited Cash Rewards Credit Card, proceed with the online application.
File an Online Application
Click on Apply Now, and it will open another window for you to apply online.
Fill out the online application form with your personal details.
Do not forget to upload any documents that they require for you to submit.
Review and Submission
Make sure that you also review the terms and conditions, as well as everything else for spelling errors.
This might cause a delay in the approval of your application.
Once done, submit your application and wait for their call or email.
Conclusion
Having access to unlimited cash-back rewards is one of the most satisfying things to do when you have a credit card. Not only are you rewarded for just using your credit card on almost anything, but you also get a lot of perks and benefits.
Make sure that you apply for the Bank of America Unlimited Cash Rewards Credit Card today to experience all of the benefits!
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
