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Banking RegistryReal data. Clear answers.Data as of Oct 4, 2026
Banking RegistryReal data. Clear answers.
Bank of AmericaUnlimited Cash RewardsRegistry illustration · issuer artwork unavailable

Unlimited Cash RewardsBank of America · N bank, AR · FDIC 3510

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “Bank of America Unlimited Cash Rewards”
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Purchase APR
16.49%–28.49%
p.2variable
Balance transfer
0% introductory · reported median duration 15 mo
then 16.49%–28.49%
Cash advance APR
27.74%–29.24%
variable
Annual fee
$0
a year
Foreign fee
3%
of the amount
Grace period
25 days
from cycle close

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
Introductory, reported median duration 15 months0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Great creditmedian 22.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Good creditmedian 26.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Poor creditmedian 27.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
No credit scoremedian 25.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
All applicants16.49%–28.49% variableBank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“del 16.49% al 28.49%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 2
APR for balance transfersintroductory rate first
Introductory, reported median duration 15 months0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
After16.49%–28.49% variableBank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“del 16.49% al 28.49%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 2
APR for cash advances27.74%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty APRafter a late paymentup to 29.99% variableBank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“Up to 29.99% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if you: • Make a late payment. How Long Will the Penalty APR apply?: If your APR is increased for this reason, the Penalty APR will apply indefinitely.”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 2
Rate mechanics · Balance transfer
Daily periodic rate0.04517800%–0.07805400%Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“del 0.045178% al 0.078054%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 2
Prime rate plus9.74%–21.74%Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“del Tasa Preferencial + 9.74% al Tasa Preferencial + 21.74%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 2
Rate mechanics · Purchase
Daily periodic rate0.04517800%–0.07805400%Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“del 0.045178% al 0.078054%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 2
Prime rate plus9.74%–21.74%Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“del Tasa Preferencial + 9.74% al Tasa Preferencial + 21.74%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 2
Paying interestgrace period on new purchases25 days from the close of each billing cycle——
How we calculate your balanceAverage daily balance including new purchases——
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Transaction fees
Cash advance5% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer4% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Foreign transaction3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty fees
Late paymentup to $41Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“Up to $41”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 3
Repeat late fee within six billing cycles$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Returned payment—no source read
Other fees
Monthly Custom Pay Plan Fee$0, A fixed monthly fee determined and disclosed at the time the Plan is created based on the Plan duration, Purchase amount assigned to the Plan, Purchase APR, and other factors. It will never exceed 1.72% of the Purchase amount assigned to the Plan.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website