The Bank of America Unlimited Cash Rewards is a personal credit card from Bank of America Unlimited Cash Rewards. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 17.49%-27.49% variable after a 0% introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: online cash rewards bonus after spending at least signup_bonus_spend_amount in purchases within the first signup_bonus_timeframe of opening an account. Rewards: Cash Back. Cash back: 2% cash back in the first year, and 1.5% thereafter. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card.. Ideal for straightforward 0% back leverage and easy rewards structure. Wells Fargo Reflect Card. BT Fee: 3% during intro; 4% after. Post-intro APR: 18.24%–28.24% variable