Bank of America® Travel Rewards
vs. Bank of America® Unlimited Cash Rewards Credit Card

If you're looking for a rewards card with no annual fee from Bank of America, you may be considering the Bank of America Travel Rewards and the Bank of America Unlimited Cash Rewards credit cards. The best card for you depends on whether you prefer travel points or cash back. The Travel Rewards card is ideal for those who want to earn points for travel purchases, while the Unlimited Cash Rewards card is better suited for those who prefer straightforward cash back on all purchases.

You might prefer the Bank of America® Travel Rewards if: you are a frequent traveler looking to earn points that can be redeemed for travel-related expenses. With this card, you earn unlimited 1.5 points for every $1 spent on all purchases, and you can kickstart your travel fund with an introductory offer of 25,000 bonus points. The $0 annual fee and the 0% introductory APR for 15 billing cycles on purchases and balance transfers make it a cost-effective choice for those with good to excellent credit who want to leverage their everyday spending into travel rewards.

You might prefer the Bank of America® Unlimited Cash Rewards credit card if: you value simplicity and flexibility in your rewards. This card offers a straightforward 1.5% cash back on every purchase, which can be an attractive option for those who prefer cash rewards over points. Additionally, the card comes with a $200 cash back introductory offer after spending $1,000 in the first 90 days, providing a tangible reward early on. Like the Travel Rewards card, it also features a $0 annual fee and a 0% introductory APR for 15 billing cycles on purchases and balance transfers, making it a solid choice for individuals with good to excellent credit who want to earn consistent cash back across all spending categories.

The Bank of America Travel Rewards card is a solid choice for those looking to earn travel points without the constraints of specific categories. It's a competitive option for individuals with good to excellent credit. This card simplifies the rewards process by offering unlimited 1.5 points per $1 spent on all purchases, making it straightforward for cardholders to accumulate points.

Additionally, the card entices new users with an introductory offer of 25,000 online bonus points after meeting the initial spending requirements, which can be a significant boost to your travel budget. With no annual fee and no foreign transaction fees, it's tailored for those who travel frequently and prefer a simple rewards structure.

The Bank of America® Unlimited Cash Rewards credit card garners a MoneyGeek balance transfer score of 3.5 out of 5, reflecting its solid offering in this category. This card is a strong contender for those who value straightforward cash rewards. It offers a consistent 1.5% cash back on every purchase, which can be particularly appealing for consumers seeking simplicity over rotating bonus categories.

With a $0 annual fee and an introductory offer that includes earning $200 cash back after spending $1,000 in the first 90 days, the card is accessible to those with a credit score ranging from 670 to 850. The Unlimited Cash Rewards card is well-suited for everyday spending, providing a reliable return on purchases without the need to track specific bonus categories.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. This side-by-side analysis enables you to match each card's specifics to your financial behavior and preferences. For instance, if you frequently travel, the Travel Rewards card's point system might be more beneficial, whereas the Unlimited Cash Rewards card could be more appealing for straightforward cash back on purchases.