Calculate Cash Back For The BOA Unlimited Cash Rewards Card

Bank of America Cash Back Calculator
See how much cash back you can earn with the Bank of America® Unlimited Cash Rewards. Compare results against top cards and review the benefits to find out if it's worth applying for.
Last Updated 2021-08-10

Bank of America® Unlimited Cash Rewards is an unlimited 1.5% cash back credit card. While there are many cards on the market that earns a 1.5% (or better) return, this card shines in two spots.

First off, it can be paired with the Bank of America® Customized Cash Rewards to ensure that you never earn less than 1.5% back on any purchase.

Second, if you're a Preferred Rewards member, you can earn up to a 75% bonus which means you could earn up to 2.62% cash back on all purchases ran through the card which is outstanding for a card with no annual fee.

Overall, the Bank of America Unlimited Cash Rewards Card is a solid option if you already bank with Bank of America and/or you have the money to invest to become a Preferred Rewards member.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Bank of America Unlimited Cash Rewards card does not have any bonus categories. It earns cash back at a flat rate of 1.5% across all purchases with no cap on how much you can earn.

  • 1.5% All Purchases

Perks & Benefits

The Bank of America® Unlimited Cash Rewards card rewards you for having a relationship with Bank of America and their partners.

  • Bank of America Preferred Rewards Client
    • Earn a 25% to 75% bonus based on your 3-month average in combined balances between your Bank of America banking and/or Merrill Edge® and Merrill Lynch® investing and trading accounts.
    • Bonus is based off of the earning rates, so a 75% boost to a 1.5% category would knock it up to 2.62% cash back.
Customer Bonus & Preferred Rewards Client Bonuses
Tier Balance Requirement Bonus
None Checking/Savings Account 10% Bonus
Gold $20k to <$50k 25% Bonus
Platinum $50k to <$100k 50% Bonus
Platinum Honors $100k+ 75% Bonus

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
Compare A Card
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:

Bank of America Credit Card Cash Back Calculators

Click on a card to calculate how much cash back you can earn with the card based on spend. If cookies are enabled, spend entered into credit card calculators will roll over to other calculators on the site.

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