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

Both the Bank of America® Unlimited Cash Rewards Credit Card and the BankAmericard® Credit Card offer appealing introductory APRs and are designed for people with good to excellent credit. If cash back on every purchase is a priority, the Bank of America Unlimited Cash Rewards Credit Card is the superior choice, thanks to its 1.5% cash back on all purchases and a $200 welcome bonus.

But if you’re focused on managing existing debt, the BankAmericard stands out with its longer 0% APR offer on purchases and balance transfers for 21 billing cycles. While the Unlimited Cash Rewards card offers ongoing value through cash back, the BankAmericard's extended introductory APR period can provide substantial savings on interest, making it a strong contender for balance transfers.

You might prefer the BankAmericard if you're planning a significant purchase or want to transfer a balance and would benefit from a longer 0% APR period. This card is especially useful if you're not interested in rewards and prefer simplicity.

You might prefer the BofA Unlimited Cash if earning rewards on every purchase is important to you. With unlimited 1.5% cash back and a $200 welcome bonus, this card offers continuous value on spending, along with an introductory APR period for new purchases and balance transfers.

Evaluating APRs, fees, credit requirements, rewards and other features will clarify which card aligns with you. For instance, if you're planning a balance transfer, the BankAmericard's longer intro APR might appeal to you, whereas the BofA Unlimited Cash could be more attractive if you value a straightforward cash back program.

MoneyGeek evaluates credit cards like the BankAmericard and BofA Unlimited Cash using a scoring system tailored to specific use cases. For instance, the BankAmericard scores highest for balance transfers, while the BofA Unlimited Cash is top-rated for cash back rewards. The primary factors influencing these scores include the introductory APR on purchases and the regular APR for balance transfers, and the effective reward rate for cash back.

For a detailed understanding of our scoring process, you can review our ranking methodology.