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

If you're looking for a Bank of America credit card with no annual fee and an introductory APR offer, you may be considering the Bank of America Unlimited Cash Rewards credit card and the BankAmericard Credit Card. The Unlimited Cash Rewards card is better for earning cash back, with a $200 bonus after spending $1,000 in the first 90 days and unlimited 1.5% cash back on all purchases. In contrast, the BankAmericard is more suitable for those seeking a longer no-interest period, offering 0% intro APR for 18 billing cycles on purchases and balance transfers, compared to 15 billing cycles for the Unlimited Cash Rewards card.

You might prefer the Bank of America Unlimited Cash Rewards credit card if: You're interested in earning cash back on every purchase. With this card, you'll earn an unlimited 1.5% cash back on all purchases, which can add up quickly if you use your card for daily expenses. Additionally, there's a $200 cash back introductory offer after you spend $1,000 in the first 90 days, which is a nice bonus for new cardholders. The card also offers a 0% introductory APR for 15 billing cycles on both purchases and balance transfers, which can be helpful if you're planning a large purchase or want to move a balance from a high-interest card. However, keep in mind that a variable APR will apply after the introductory period.

You might prefer the BankAmericard Credit Card if: You're looking for a card with a longer introductory APR period to manage existing credit card debt or plan a significant purchase. This card offers a 0% intro APR for the first 18 billing cycles for purchases and balance transfers, giving you a longer window to pay off your balance without accruing interest. It's a solid choice if you're not as concerned with earning rewards but focused on saving on interest charges. Just like the Unlimited Cash Rewards card, it has no annual fee. However, it comes with balance transfer fees and foreign transaction fees, so it's best for domestic use and when you're not transferring balances frequently.

The Bank of America Unlimited Cash Rewards credit card is a straightforward choice for those who value simplicity in their rewards program. This card is a solid option for individuals with good to excellent credit. It offers a simple yet effective rewards structure, providing unlimited 1.5% cash back on all purchases. This card is particularly suitable for consumers who prefer not to keep track of rotating bonus categories or complex rewards systems.

The card boasts a $0 annual fee, making it a cost-effective choice for everyday use. Additionally, new cardholders can benefit from a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. The introductory APR period on purchases and balance transfers can also provide breathing room for those looking to make large purchases or consolidate debt. Overall, the Bank of America Unlimited Cash Rewards credit card is a compelling option for those seeking uncomplicated cash back rewards.

The BankAmericard Credit Card benefits those looking to consolidate debt and enjoy a period of no interest on balances. This card is a solid choice if you're seeking a straightforward credit solution with no annual fee and an introductory 0% APR on purchases and balance transfers for the first 18 billing cycles. It's particularly well-suited for individuals with a credit score in the range of 670 to 850 (good to excellent) who can take full advantage of the card's balance transfer features. Although the card does not offer rewards, its value lies in the potential savings from balance transfer fees and the extended introductory APR period.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features so you can identify which card aligns with your spending habits and financial goals — whether you seek a longer intro APR period or cash back on every purchase.